The first chapter of this article directed by the vanguard theory of marketing , begins with the clear explanation and definition of fundamental theories of banking and marketing 本文第一章以西方市场营销理论为指导，对商业银行和市场营销的基本概念进行了阐述和界定，并导入了商业银行信贷营销的定义。
Lastly , by sharing the experience of western commercial banks in managing the credit risks , the author puts forward a complete set of advices for the effective control of the bank ' s credit risks 最后，在借鉴西方商业银行信贷风险管理经验的基础上，论文为农行信贷风险的防范与控制提出了一套完整的建议。
Based on the analysis , it finds out the reasons of bank credit . according to the theory and the fact , it comes up with the solutions of bank credit risk 本文结合稠州商业银行案例，分析当前银行存在的信贷情况，找出产生信贷风险的原因，然后，在理论和实际操作的基础上，提出了商业银行信贷风险的规避对策。
Some state - owned bank almost has evolved into bankruptcy affec : by the bad loans . at first , the article studies the reason of non - performing loan in one of a state - owned bank 本文先从实证的角度，以某国有商业银行为例，详细分析了国有商业银行信贷风险产生的原因，剖析了目前我国信贷市场上扭曲的信贷关系。
This article embarks from the modern commercial bank ' s practice , using theory of modern bank risk management , systemic summarizing sensation course of the banking affecting the credit risk 笔者结合自身多年的实际工作经验,从具体应用者的角度,研究探讨商业银行信贷风险评价方法,使其具有全面性、科学性和可操作性。
Credit asset is the major asset of our commercial banks . so credit risk is the focus of economical risk , it has directly influence to the reform of the whole financial system and social economy 我国商业银行的资产主要表现为信贷资产，而商业银行信贷风险作为经济风险最集中的表现，直接关系着整个金融体制改革和社会经济的发展。
Most obviously the state - owned character has major implications for the bad loans . at last , the article describes how to restructure the internal control system to prevent credit risk in the bank 最后从国有商业银行内部的信贷管理制度、信贷监管制度及信贷管理组织体系等方面阐述了如何防范国有商业银行信贷风险的内控机制设计。
At the present . it is facing with many difficulties among which banks " non - performing loans is the most serious one . therefore , systematic research on preserving non - performing loans is of both theoretical and practical significance 当前，国有商业银行发展中面临的突出问题是存在大量的不良贷款，对国有商业银行信贷资产保全进行研究具有重大的理论和实际意义。
Against this situation , it is an urgent task to form a sound credit risk management mechanism . credit assessment is the primary link should be properly solved . at present china lacks a relatively matured credit system 针对我国商业银行信贷资产质量低下和风险加大的客观情况,建立完善的信用风险管理机制已成为刻不容缓的任务,而信用评估作为风险管理的第一个环节则更需要得到妥善解决。
Firstly , this paper reviews briefly the theory of loan management , introduces the principle and the fundamentals of loan pricing , compares and evaluates four major loan pricing model used frequently by foreign commercial banks 首先,本文对商业银行贷款定价理论进行回顾,讨论商业银行信贷经营、贷款定价的一般原理和贷款定价原则,比较分析国际上通用的4种基本贷款定价模型以及住房贷款的基本定价方式。
