摘要
商业银行个人信贷业务在总量和结构上的变化,已成为金融机构信贷风险的重要组成部分。运用模糊数学理论,研究商业银行个人信贷风险的识别,构建商业银行个人信贷风险的模糊测度模型,为商业银行个人信贷风险预警提供一种新的定量分析方法,对提高个人信贷风险管理水平具有重要的实践意义。
Personal credit business of the commercial banks has begun changes at the gross and structure. It has become an important component of credit risk of the financial institutions. Using the fuzzy mathematics theory, studying on the personal credit risk ideiatification of the commercial banks, it constructs a fuzzy measure mode of personal credit risk of the commercial banks. So it provides a new method of quantitative analysis for the personal credit risk of the commercial banks with early warning, and it has important practical significance for increasing the management of the personal credit risk.
出处
《湖南科技大学学报（社会科学版）》
2008年第5期59-62,共4页
Journal of Hunan University of Science and Technology(Social Science Edition)
关键词
个人信贷风险
模糊测度
风险识别
personal credit risk
fuzzy measures
risk identification
