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信贷风险是我行面临的主要风险。如何分析客户的偿债能力，识别与评价客户的风险，是银行经营管理人员必须了解的问题。信用评级是对客户偿还债务能力和意愿的评估，是对债务偿还风险的评价。信用评级是商业银行进行信贷风险管理的基础和前提。随着加入WTO进程的加快，客户经理制的推行，利率市场化的实施，信用评级将会在我行的经营管理中发挥越来越重要的作用。因此，从本期开始，我们将陆续介绍国内外先进的信用评级理论、方法和模型，通过系统的介绍，使大家了解和掌握评价客户的科学方法，以有效地防范信贷风险。
Credit risk is the main risk facing our bank. How to analyze customer solvency, identify and evaluate the customer’s risk, is the bank’s business managers must understand the problem. Credit rating is the assessment of the ability and willingness of the customer to repay the debt and is an assessment of the risk of the debt repayment. Credit rating is the basis and precondition for commercial bank credit risk management. With the acceleration of the accession to the WTO, the implementation of the client manager system and the implementation of the marketization of interest rates, the credit rating will play an increasingly important role in the operation and management of the Bank. Therefore, from the beginning of this issue, we will introduce the advanced credit rating theories, methods and models both at home and abroad. Through the introduction of the system, we will make everybody understand and grasp the scientific methods of evaluating clients in order to effectively prevent credit risks.