摘要
瑞士银行内部评级体系的核心是违约率的统计及测算。花旗银行的内部评级体系由客户评级和债项评级两项内容组成。从长远发展看,建立起具有中国特色的银行内部评级体系是必然趋势。因而应加强内部评级体系的开发研究,建立统一的数据库和管理信息系统,加强风险评级的人力资源队伍建设,增强监管当局监管水平和导向作用,建立适合我国国情的两维评级体系。
The core of the internal rating system of UBS bank is the statistical default rates and calculation. The internal rating system of Citibank includes the customer rating and the debt rating. For long - term, establishing the internal rating system with Chinese characteristics is an inevitable trend. So we should strengthen the development and research of the internal rating system, establish the unified data- base and the management information system, strengthen human resources of risk rating, and enhance the supervising authorities＇ levels to establish appropriating our conditions with the two -dimensional rating system.
出处
《兰州商学院学报》
CSSCI
2010年第4期41-45,共5页
Journal of Lanzhou Commercial College
