IRB法及农发行风险管理借鉴  

IRB Approach and the Risk Management in Agricultural Development Banks

作　　者：田永强[1] 

机构地区：[1]中国农业发展银行漯河市分行,河南漯河462000

出　　处：《金融理论与实践》2005年第11期53-55,共3页Financial Theory and Practice

摘　　要：以内部评级法(IRB)为核心内容的《巴塞尔新资本协议》已于2004年6月26日正式颁布,并于2006年底在十国集团开始实施。在《新协议》的推动下,目前国内外大多数银行都在积极研究开发IRB法,力争在2006年达标。作为农业政策性银行,积极引入和借鉴IRB法,对于农发行加强信贷管理、有效防范风险、提高经营管理水平等,同样具有非常重要的现实意义。Basle New Capital Accord with Internal Rating-Based Approach as its core content was issued on June26, 2004 and will come into effect in the Ten-country Group in the end of 2006. Under its influence, the majority of domestic banks and foreign banks are studying and developing IRB Approach vigorously so as to reach the standard by 2006. Agricultural development banks, as policy-related banks, have to introduce and draw lessons from IRB Approach. The introduction of IRB Approach is of great practical significance for agricultural development banks to intensify credit management, to protect risks effectively, and to improve managerial and administrative expertise.

关 键 词：IRB法 信贷风险分类 信用评级 农业发展银行 

分 类 号：F830.31[经济管理—金融学]