摘要
相比于巴塞尔新资本协议的现代化管理要求，我国银行在信用风险管理方面的能力，基础相对薄弱，无法全面适应银行业未来经营发展、市场竞争、业务持续发展等需求。为此，文章将通过银行信用风险评估模型的构建，从中提出强化信用风险管理体系的方法，进而为银行信用风险管理水平的提高，提供有效的依据。
Abstract
compared with the Basel new capital accord modern management requirements, the ability of banks in credit risk management in our country, based on relatively weak, cannot ful y adapt to the banking industry in the future business development, market competition, busines sustainable development, and other requirements. Therefore, the article wil be through the bank credit risk as essment model building, and put forward the way to strengthen the credit risk management system and to raise the level of bank credit risk management to provide ef ective basis.
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