新资本协议与我国银行业信用风险评级  

The New Basel Capital Accord and the Credit Risk Rating of China's Banking Sector

作　　者：张庆 石静 

机构地区：[1]江南信托投资公司,江西南昌330008 [2]中国银监会银行监管二部,北京100800

出　　处：《金融理论与实践》2004年第3期28-30,共3页Financial Theory and Practice

摘　　要：巴塞尔委员会的新资本协议将于2006年底在成员国开始实施,作为国际银行业风险管理的范本,其主要创新———内部评级法一经面世便引起了国际银行界的高度关注,其最终实施必然对全球银行业产生深远的影响。在这种大环境下,应认真探讨我国银行业风险管理的现状,以及面对新资本协议将采取的应对措施。The New Basel Capital Accord will take effect from the end of 2006. As the guideline for risk management in international banking, the internal credit rating approach, which is known as the novel innovation, has attracted great attention ever since its publication. It is believed that the implementation will produce a far-reaching effect. We should conduct a careful analysis of our present risk management and exert ourselves to probe into the strategies and measures adoptable for the new situation.

关 键 词：“新资本协议” 银行业 中国 信用风险评级 内部评级法 贷款五级分类制度 信贷风险管理体系 

分 类 号：F832.1[经济管理—金融学]