In recent years, substantial economics literature discussing a variety of risks. these financial risks because of representation, has become the focus of attention. Financial risk is a trade issue, but also a social problem. Therefore, the credit risk management is not only national commercial bank's internal management, but also a need for community participation in the systemic project. Due to the credit risk assessment models are based on the Western market created by the state. China, the market economy is in the formation stage, and the Western market are different, Thus in Western technology in China's actual use has been constrained, we must constantly improve the external environment, gradually raise commercial bank's credit risk assessment skills. Put credit risk has been quantified international banking efforts in the direction, In recent years, with financial and technological progress as well as financial derivatives birth Research in this area has made breakthrough progress, and greatly improve the commercial bank risk management capability. This paper briefly describes the credit risk assessment model for the development process, also including the new Basel Accord IRB representative of the KMV model for a detailed analysis.
佳丽子伊
