基于灰色关联分析商业银行信贷风险管理外文翻译中英文对照.doc

毕业论文外文文献翻译 毕业设计（论文）题目 基于 Logistic模型商业银行信用风险评价的实证分析 翻译题目 基于灰色关联分析商业银行信贷风险管理 基于灰色关联分析商业银行信贷风险管理定义7 基于上面的发病率识别方法,我们可以计算灰色关联度对行业与减值贷款比率因素和宏观经济因素。根据绝对程度的灰色关联度?m1,我们可以判断宏观经济因素会影响商业银行明显的减值贷款比率。因此,我们可以发现水平,宏观经济因素影响商业银行的信贷风险。 根据结果的方法,不同的行业和宏观经济因素如何影响不良贷款比率可以分析。 具体来说,影响商业银行信用风险的行业主要将通过灰色关联的发现不同行业之间的贷款规模和减值贷款比率,这样我们可以提供定量参考商业银行信贷。宏观经济因素的影响,商业银行信贷风险将灰色系统理论的角度。 风险控制系统,从行业的角度,行业风险因素可以根据灰色关联度确定不同行业因素和不良资产贷款所示:方程根据不同行业的行业风险因素,实际的风险和预期的风险之间的偏差可以设置为15个方程根据公式(10),行业关联度越大,风险越小偏差。在真正的贷款过程中,影响越大的行业信贷风险,管理部门应该更多的关注。偿还能力是需要特别指出。风险的控制下,该行业风险大相关性相对小范围也符合实际情况。 因此,根据判断行业信贷风险的角度,行业因素的风险判断的结果可以扩展到风险控制。从行业因素、允许偏差的风险控制可以定义,添加新的影响因素,使风险控制更加完美,更加合理。 风险控制是风险管理的重要过程之一,所以我们可以控制的风险信用风险的行业因素根据灰色关联系数不同的行业因素造成的信用风险。以及常见的控制系统的对象,控制过程的控制系统结构如图1所示。风险控制制度的目的是确保在一定范围控制风险。对应于灰色控制理论,以确保风险控制的逐步稳定。 Commercial bank credit risk management based on grey incidence analysis 1 Introduction As an important component of Chinas financial system, commercial banks operation robustness is always the core of financial supervision, which is the key concerning the whole financial system and the sound development of the national economy. At present, the majority of incomes of our country commercial banks come from the difference between deposit and loan rates. So the quality of loans has a direct impact on the operations of banks which result in popular research into the credit risk on theory and practice. The problems inside banks such as low quality of credit asset and huge number of bad loans is gradually extruding with the increasingly complexity of financial market environment and the continuous development of derivative financial instruments. Credit risk has attracted more and more attention of commercial banks which must be correctly understood. It not only has the practical significance of strengthening the risk management of domestic commercial banks, but also helps the building of a sound and strong financial regulatory system and ultimately leads a sunrise developing path. Meanwhile, the analysis of credit risk prov