金融银行信用风险管理外文翻译文献.docVIP

金融银行信用风险管理外文文献翻译 （含：英文原文及中文译文） 文献出处： Jin P. Managing credit risks with knowledge management for financial banks. Third International Symposium on Knowledge Acquisition and Modeling 2010:8-11. 英文原文 Managing Credit Risks with Knowledge Management for FinancialBanks JinP Abstract Nowadays, financial banks are operating in a knowledge society and there are more and more credit risks breaking out in banks? So, this paper first discusses the implications of knowledge and knowledge management, and then analyzes credit risks of financial banks with knowledge management. Finally, the paper studies ways for banks to manage credit risks with knowledge management. With the application of knowledge management in financial banks, customers will acquire better service and banks will acquire more rewards. Index Terms: knowledge management; credit risk; risk management; incentive mechanism; financial banks INTRODUCTION Nowadays, banks are operating i n a knowledge societySo, what is knowledge? Davenport( 1996)[ 1 ]thinks knowledge is professional intellect, such as know-what, know-how, know-why, and self-motivated creativity, or experience, concepts, values, beliefs and ways of working that can be shared and communicated. The awareness of the importance of knowledge results in the critical issue of knowledge managemenf\ So, what is knowledge management? According to Malhothra(2001 )[2], knowledge management(KM)caters to the critical issues of organizational adaptation, survival and competence in face of increasingly discontinuous environmental change? Essentially it embodies organizational processes that seek synergistic combination of data and information processing capacity of information technologies and the creative and innovative capacity of human beings? Through the processes of creating, sustaining, applying, sharing and renewing knowledge, we can enhance organizational performance and create value? Many dissertations have studied knowledge management applications in some sp