零售信用 meaning in Chinese

retail credit

And path dependence theory , marginal theory and optimizing theory are applying in this paper . this article ends up with a few of hypotheses below : at present , retail exposures of credit risk may be valuated by multi - factors score ; company ones of credit risk may be valuated by modified specialist method ; and bank ones of credit risk may be valuated by quasi modern credit risk valuation model ; the destination is to get to the same way to modern credit risk valuation model by which all kinds of risk can be valuated , by the means of motivational transition or compelled one of the institute
在此基础上,以会计/市场数据可得性和有效性、金融市场发育程度、利率市场化深度、公司治理结构的完善度以及信用工具本身的特征(尤其是衍生金融工具)等因素作为细分依据,将我国商业银行中信用风险暴露(严格意义上来说,为了突出本文的观点,本文仅仅是对商业银行的部分风险暴露)划分为:零售信用风险暴露、公司信用风险暴露? ?对大型企业集团的信用风险暴露和银行信用风险暴露? ?银行对质优上市公司的信贷业务、银行的货币市场业务以及金融衍生产品业务等。