Basel Ⅱ,Internal Credit Rating and Lending to Small Enterprises;

After an analysis is given of the problems that exist in current credit rating of state-owned commercial banks along with relevant research results achieved at home and abroad,an internal credit rating model is proposed,designed to improve credit risk management for state-owned commercial banks.

The Impacts of IRB on the Macroeconomic Performance:from a Procyclicality Perspective;

Utilize IRB to Manage Credit Risk of China Commercial Banks;

The Application of IRB in Banking Risk Management;

This paper briefly introduces the standard approach and internal ratings-based approach which are used to manage credit risk in the New Basel Accord, and proposes some inspirations to banking system of China,such as changing management values,improving the internal rating system,building China s modern risk management model,etc.

Since the announcement of the New Basel Capital Accord,there is increasing (?)umber of countries and regions adopting the capital supervision system based on new accord,most of which choose the Internal Ratings-Based Approach(IRB).

The New Basel Capital Accord is a completely new capital framework of which one of the greatest innovation is the Internal Ratings-Based Approach (IRB) that is designed to calculate capital requirement for credit risk.