商业信用

Therefore, we should set up appertain system quickly, and strong the guarantee information disclose.

为了完善我国上市公司对外担保制度，应该加快上市公司配套制度建设，包括改革国有商业银行制度和加快建立社会信用体系建设，加强对外担保的信息披露。

Investment bankers archly observe that judgments on which bit of the business is the casino ought to be withheld until the end of the credit cycle.

投资银行家敏锐地观察到那些对于带有赌博性质的商业活动的评判应当在信用中期末尾进行。

The CBRC allows commercial banks to implement the internal rating method by stages, however, when a commercial bank obtains the approval for using the internal rating method, its asset coverage ratio calculated according to the internal rating method (risk-weighted assets calculated according to the internal rating method)/(risk-weighted assets calculated according to the internal rating method + risk-weighted assets of other credit risk exposures calculated according to the revised capital supervisory provisions) shall not be lower than 50%, and it shall formulate the plan for the implementation of internal rating method by stages, so as to ensure that the asset coverage ratio reach 80% in three years.

银监会允许商业银行分阶段实施内部评级法，但在获得许可使用内部评级法时，采用内部评级法的资产覆盖率（按内部评级法计算的风险加权资产/［按内部评级法计算的风险加权资产＋按修订后资本监管规定计算的其他信用风险暴露的风险加权资产］）应不低于50％，并制定分阶段实施内部评级法规划，以保证3年内资产覆盖率达到80％。

In this section, we can keep the economy grow fast and the money market activity but in order. And not only keep the sufficient competition among the finance institutions, but also avoid the money market risk assuringly. Releasing the exchange rate can enhance the capital flowing among the countries. Then the foreign finance crisis is easier to impact inland.

在这个区间内，经济能够保持持续快速增长，同时金融市场又是活而不乱，各金融机构之间既有充分的竞争（如各商业银行可以在规定的上下限范围内自行确定利率，建立信用等级与利率的对应关系），又可以有保证地避免金融市场的风险；放松汇率使得国家间的资本流动加强，伴随而来的是外国的金融危机更加容易传递到国内。

Therefore, how to prevent and dissolve the commercial bank credit risk, it is particularly important.

因此，如何防范和化解商业银行信用风险，就显得尤为重要。

Actually Basle capital accord can be perfected gradually through investigation and research on credit risk.

第一章概括了本文选题的原因，金融系统的脆弱性以及金融监管的国际化合作趋势使得信用风险管理问题成为当前金融领域最为重要的一个课题，当然该选题对于正处于改革进程中的中国商业银行来讲无疑有着重要的现实意义。

These policies and processes should be commensurate with the size and complexity of the bank.

操作风险、信用风险和市场风险并列为商业银行需要严加防范和控制的三大风险。

Through several year, Tea City is one of the special wholesale markets designated by the Tea Circulation Association of China, the pivot tea market in China, the five star tea market, the tea market of receive the collective tour, the famous brand corporation in China, the "AA" levels frank corporation in Shanghai, the Shanghai perfect corporation. The famous brand in Shanghai.Top Tea Corporation in China. Shanghai Famous brand. Shanghai perfect service brand. Famous business brand in China. Famous service brand in China. AA credits corporation in Shanghai. Five stars civilized market and labor guarantee credits corporation. Be designated tour commend market and international tea culture meeting place, Succeeded to conduct " the first ?national tea match".

经过多年的精心经营，作为&国家茶叶专业批发市场&和&全国重点茶市&的大不同天山茶城，如今已成为中国茶叶行业百强企业，上海市先进企业，创出享誉全国的&大不同&品牌，获&上海市著名商标&和&上海优秀服务商标&、&中国商业名牌&和&中国商业服务名牌&、 AA 级&上海市守合同重信用企业&等称号，连续多年被评为上海&五星级文明市场&和&劳动保障诚信创建单位&，被指定为上海市接待旅游团体推荐单位和上海国际茶文化节分会场，成功举办了首届&全国茶道表演大赛&。

We lack of consummate social credit system at present, property right system of commercial bank isn't clear, and haven't form an advanced and scientific managing mechanism and the cost marrying again of economy system shunt, which lead to a biggish distance of the risk managing level between our state commercial banks and the international advanced, also a biggish warp of understand.

由于我国目前缺乏完善的社会信用体系、商业银行产权制度不明晰、尚未形成先进科学的经营管理机制以及经济制度转轨的成本转嫁，导致我国国有商业银行风险管理水平与国际先进的风险管理水平有较大的差距，在认识上也存在很大偏差。

A second larger wave of residential housing mortgage failures;(2) The first big wave of auto loan failures and repossessions;(3) Over $40 billion in credit card defaults, smashing the bank lenders;(4) The first wave of commercial mortgage failures and foreclosures on shopping malls, office buildings and other commercials;(5) And finally, the grand smashing finale of CDS Credit Default Swaps originated with No margin money or down payments!

在明年春天，我们看到：（ 1 ）第二次大浪潮住宅按揭失败；（ 2 ）第一大浪的汽车消费贷款的失败和收回；（ 3 ）超过400亿美元的信用卡违约，打破了银行贷款；（ 4 ）第一批失败和商业抵押贷款抵押品赎回权的购物商场，办公楼和其他商业广告；（ 5 ），最后，大砸最后的CD信用违约互换起源无保证金资金或订金！

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。