外文文獻(xiàn)翻譯--金融銀行信用風(fēng)險(xiǎn)管理與知識(shí)管理-免費(fèi)閱讀
【正文】 最后，我們提出銀行信貸風(fēng)險(xiǎn)管理與知識(shí)管理的方式。通過(guò)評(píng)估和計(jì)算客戶(hù)風(fēng)險(xiǎn)，銀行可以預(yù)測(cè)客戶(hù)的未來(lái)行為，為不同的客戶(hù)提供不同的服務(wù)。這些措施包括：（ 1）完成貸款的安全系統(tǒng)。poo’ s的信用評(píng)價(jià)等級(jí)。我們可以 使用系統(tǒng)來(lái)分析客戶(hù)信貸指數(shù)，客戶(hù)信貸歷史和有可能招致風(fēng)險(xiǎn)的可變因素。 ，鼓勵(lì)知識(shí)創(chuàng)新 信用風(fēng)險(xiǎn)的預(yù)警機(jī)制，去覺(jué)得銀行的職員如何使用客戶(hù)的知識(shí)，和員工如何創(chuàng)造性的使用知識(shí)。 從上述論文，我們可以看到一些學(xué)者研究了信貸風(fēng)險(xiǎn)管理里和知識(shí)管理的方法。根據(jù)克勞德（ 2020） [10]， Davidamp。李楊（ 2020） [5]研究了信息化教育下的知識(shí)管理，Jayasundaraamp。那么，什么是知識(shí)？達(dá)文波特（ 1996） [1]認(rèn)為，知識(shí)是專(zhuān)業(yè)的智力，如知道是什么，知道如何，知道為 什么，和可以共享和交流的經(jīng)驗(yàn)、理念、價(jià)值觀、信念和工作方式。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 applications, those assumptions are realistically on the above mentioned studies, Ma and Krings(2020a, 2020b)[11]discuss the relationship and difference of univariate and multivariate analysis in calculating risks. As for the papers on managing the risks in banks, Lawrence (2020)[12]studies the risks of financial innovations and takes out some countermeasures to regulate financial innovations. Shao Baiquan(2020)[13]studies the ways to manage the risks in banks. From the above papers, we can see that few scholars have studied the way to manage credit risks with knowledge management. So this paper will discuss using knowledge management to manage credit risks for financial banks. 4 This paper is organized as follows: SectionⅠ is introduction. SectionⅡ analyzes credit risks in banks with knowledge management. SectionⅢ studies ways for banks to manage credit risks with knowledge management. SectionⅣ concludes. CREDIT RISKS IN BANKS WITH KNOWLEDGE MANAGEMENT of Credit Risk Credit risk is the risk of loss due to a debtor’s nonpayment of a loan or other line of credit, which may be the principal or interest or there are many types of loans and counterpartiesfrom individuals to sovereign governmentsand many different types of obligationsfrom auto loans to derivatives transactionscredit risk may take many forms. Credit risk is mon in our daily life and we can not cover it pletely,for example,the American subprime lending crisis is caused by credit risk,which is that the poor lenders do not pay principal and interest back to the banks and the banks do not pay the investors who buy the securities based on the the example,we can find that there are still credit ri
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