【正文】 1 畢 業(yè) 設(shè) 計（論文） 外 文 文 獻(xiàn) 翻 譯 題 目 ： 金融銀行信用風(fēng)險管理與知識管理 教 學(xué) 院： 經(jīng)濟(jì)與管理學(xué)院 專業(yè)名稱： 工商管理 2 Managing Credit Risks with Knowledge Management for Financial Banks Pan Jin Department of Economics Economics and Management School of Wuhan University Wuhan,Hubei Province,430072,China AbstractNowadays,financial banks are operating in a knowledge society and there are more and more credit risks breaking out in ,this paper first discusses the implications of knowledge and knowledge management, and then analyzes credit risks of financial banks with knowledge management. Finally, the paper studies ways for banks to manage credit risks with knowledge management. With the application of knowledge management in financial banks, customers will acquire better service and banks will acquire more rewards. Index Terms–knowledge management。 credit risk。 risk management。 incentive mechanism。 financial banks Nowadays,banks are operating in a“knowledge society”. So, what is knowledge? Davenport(1996)[1]thinks knowledge is professional intellect, such as knowwhat, knowhow, knowwhy, and selfmotivated creativity, or experience, concepts, values, beliefs and ways of working that can be shared and municated. The awareness of the importance of knowledge results in the critical issue of “knowledge management”. So, what is knowledge management? According to Malhothra(2020)[2], knowledge management(KM)caters to the critical issues of organizational adaptation, survival and petence in face of increasingly discontinuous environmental change. Essentially it embodies organizational processes that seek synergistic bination of data and information processing capacity of information technologies and the creative and innovative capacity of human beings. Through the processes of creating,sustaining, applying, sharing and renewing knowledge, we can enhance organizational performance and create value. Many dissertations have studied knowledge managementapplications in some special 3 fields. Ayb252。be Aurum(2020)[3] analyzes knowledge management in software engineering and ＆ (2020)[4]study knowledge management in the aerospace industry. Li Yang(2020)[5] studies knowledge management in informationbased education and Jayasundara＆ Chaminda Chiran(2020)[6] review the prevailing literature on knowledge management in banking industries. Liang ping and Wu Kebao(2020)[7]study the incentive mechanism of knowledge management in Banking. There are also many papers about risks analysis and risks management. Before the 1980s, the dominant mathematical theory of risks analysis was to describe a pair of random ,the simplification assumptions and methods used by classical peting risks analysis caused controversy and around the 1980s, an alternative formulation of risk analysis was developed,with the hope to better resolve the issues of failure dependency and distribution identifiability. The new formulation is univariate risk to Crowder(2020)[8], David ＆ Moeschberger(1978)[9]and Hougaard(2020)[10],univariate survival risk analysis has been dominantly, which is based on the assumptions(independent and identically distributed) or, at least, based on the independent failure regression modeling allows one to investigate the influences of multiple covariates on the failure, and it relaxes the assumption of identical failure distribution and to some extent, it also relaxes the single failure risk restriction. However, the independent failures as well as single failure events are still assumed in the univariate survival analysis. Of course,these deficiencies do not invalidate univariate analysis, and indeed, in many applica