贷款信用风险

本文主要是通过对我国商业银行个人住房贷款信用风险的仔细研究，总结出防范个人住房贷款信用风险的一些议建。

This article mainly through study carefully for individual housing credit risk of our commercial bank loan , sums up some suggestion in the prevention of personal housing loan credit risks .

本模型的特点一是这种上界限制在分散贷款信用风险的同时，又控制了贷款总量，使业银行有相应数量的资产与负债相互匹配。

One of the characteristics of this model is that the paper put forward an upper bound control that can dispense the credit risk , and also control the loan sum as well , so the commercial can match the assets and the liability at the maturity day .

首先，本文通过分析国内外研究动态和比较现代信用风险度量模型的特点，显示出CPV模型在贷款信用风险管理中的优势，为后面的实证研究奠定基础；

At first , this paper reviews the domestic and foreign development of credit risk management in banks , especially compares the modern credit risk models , and shows the advantages of using CPV model to manage the credit risk , which provide a base for the following empirical research .

二是中小企业贷款信用风险决策。

Secondly , credit risk policy making of SMEs ' loan .

利用金融衍生工具管理我国银行贷款信用风险研究

On Managing Bank Loan Credit Risk by Financial Derivatives in China

工商银行A分行法人贷款信用风险防控的案例研究

A Branch of ICBC Case Research about Corporate Lending Credit Risk

商业银行贷款信用风险之法律防范

Legal Prevention of the Credit Risk of Commercial Bank Loan

提出了一种单笔贷款信用风险度量方法。

Advance the method of measurement credit of single loan .

基于决策树的个人住房贷款信用风险评估模型

Credit Risk Assessment Model for Individual Housing Loan Based on Decision Tree

商业银行中小企业贷款信用风险评价研究

Research on SMEs Credit Risk Evaluation of Commercial Bank Loans

因此，本文重点研究个人住房贷款信用风险评估体系，并在此基础上，尝试构建我国商业银行个人住房贷款的信用风险管理体系。

This paper focuses on credit risk of residential mortgages in commercial banks .

助学贷款信用风险问题及对策

Credit Venture Problems and Countermeasures of Student Loan

我国商业银行个人住房贷款信用风险研究

The Research of Credit Risk for Individual Housing Loans in Commercial Banks of China

基于模糊综合评价法的国家助学贷款信用风险评估研究

The Research on Credit Risk of National Student Loan Based on Fuzzy Comprehensive Appraisement Method

村镇银行贷款信用风险法律防范机制研究

Study on Legal Prevention Mechanism Against the Credit Risk of the Pilot County and Village Bank Loan

第二章，重点介绍中行A分行汽车消费贷款信用风险评估体系现状。

Chapter 2 . Giving a detailed introduction of the current automobile consumption credit appraisal system by BOCA .

农户小额贷款信用风险评价是判别不同农户信用风险的大小。

Farmer credit credit risk evaluation is to determine the size of the credit risk of different Farmers .

第四部分的主要内容是构建中小企业贷款信用风险度量模型并进行实证检验。

In pare four , we built a Loan credit risk evaluation model ofSMS enterprises and then tested it .

首先在信息经济学的框架下分析了贷款信用风险产生的原因&信息不对称下的逆向选择和道德风险；

First , loan credit risk is produced because of adverse choice and moral risk under the unsymmetrical information .

借款学生家庭防范国家助学贷款信用风险的义务

On Obligations Of The Borrowing Students ' Families ' Keeping A Lookout On Credit Risk Of The National Education-Supporting Loan

最后，通过个人住房贷款信用风险评估体系的建立验证了这些方法的实用性。

Finally , through constructing credit risk evaluating system of individual housing loan , the practicality of these methods was proved .

详细介绍了决策树模型的建立方法并且用实例结果表明该模型在预测银行不良贷款信用风险中的实用价值。

The creation of the classification tree method was introduced in detail and the practical value of the method was proved through study .

而在农业政策性银行目前的风险结构中，最为突出的仍是信贷风险或贷款信用风险。

For the agricultural policy banks , currently , credit risk or loans credit risk is still the most prominent in their risk structure .

实际演示则是结合一个虚拟的例子，介绍商业银行利用信用衍生工具来管理中小企业贷款信用风险的步骤和方法。

Practical demonstration scenario is a combination of illustration , commercial banks use credit derivatives to manage the credit risk of the steps and methods .

评价指标体系分别采用了相关性分析、离散程度分析和主成分分析三种分析方法，从海选指标中挑选出来12个信用指标构成农户小额贷款信用风险评价的指标体系。

We use the correlation analysis , discrete analysis and principal component analysis , and 12 indicators are selected to establish the evaluation index system .

接着从理论上介绍了农户小额贷款信用风险评价的基本相关理论，了解农户小额信用贷款的特点以及农户小额贷款信用风险的形成因素。

Secondly , theoretically introduces farmers microfinance credit risk , understand the basic theory and characteristics of peasant households micro credit loans credit risk factors .

本文拟从经济、政策、社会、借款人等多方面对银行贷款信用风险进行评价，并应用模糊数学比较法构建模型；

This text intends to establish a intact mathematics former , ferry set , with taking economy , policy , society and creditors in account .

在数据挖掘理论的指导下，通过比较挖掘方法选择适合本研究的方法，本文选择决策树分类技术和聚类技术得到个人住房贷款信用风险评估模型和一些规则。

Based on theories of data mining , we select decision tree technology to resolve the problems in credit risk assessment after comparing some mining technologies .

考虑到中小企业特色应该以该企业经济活动决策者个人信用为依据进行适当修正来进行中小企业贷款信用风险分析。

It puts forward credit risk analysis should consider the characteristic of SMEs and amend properly according to personal credit of the policy maker of the enterprises .

本文详细分析了贷款信用风险产生的原因和我国贷款信用风险的现状。

In the first place , the reasons that credit risk of loan is produced and the real situation of loan credit risk of China 's banks are indicated .