零售信用

但与此同时也带来了一个非常重要的问题：零售信用风险管理。

At the same time also brought a very important question : retail credit risk management .

当前，诱发农村金融机构风险的主要因素还是信用风险，特别是零售信用风险。

At present , the main factor that induced financial institutions risk in rural areas has been the credit risk , particularly the retailing credit risk .

四是提出比较切实可行的应对方案。基于德州市农村信用社零售信用风险管理分析，结合研究结果，本文提出了比较切实农村信用社实际的应对方案。

On the basis of analysis on the credit risk management of rural credit cooperatives in Dezhou city and together with the relative research achievements , some suggestions and solutions that would be fit for the practical conditions in the rural credit cooperatives have been put forward in this thesis .

第四部分对零售模式信用评分做了实证分析，利用主成分分析法筛选企业财务指标，加入企业非财务信息和企业主信息，通过逻辑回归构建我国中小企业融资的信用评分模型和打分公式。

The fourth part will do the empirical analysis for the retailing credit scoring model ; use principal component analysis to select financial indicators of companies and add unfinancial information and main information of enterprises ; build SMEs financial credit scoring model and scoring formula through logistic regression .

受美联储监管，可能会比受美国证券交易委员会（SecuritiesandExchangeCommission）监管要好，但只是将它视作另一家银行，拥有与零售银行及信用卡公司相同的特权与义务，几乎说不通。

It may be better regulated by the Fed than the Securities and Exchange Commission but counting it as just another bank , with the same privileges and obligations as retail banks and credit card companies , makes little sense .

另外，持有20%权益的汇控（5）亦料可协助交行发展零售银行及信用咭业务。

Moreover , its strategic investor HSBC , which holds 20 % of Bank of Communication should help the development in retail and credit card business .

加强我国零售银行业务个人信用管理的对策研究

Research on Measures to Strengthen Management of Personal Credit in Retail Banking in China

第三部分则进一步分析零售模式下运用信用评分技术解决中小企业融资难的优势，解决银行降低成本和风险量化难题。

The third part will further analyze the advantages of carrying out credit scoring technology to solve the problems of SMEs financing and to solve the problems of reducing cost of banks and risk quantitative .

在此基础上，本文以我国某商业银行的三类零售贷款数据为样本，模拟分析了在不同经济情况下的零售贷款组合信用风险的经济资本计量结果，论证了这一方法的可行性。

On this basis , the paper considers three types of retail loan data as a sample , and analyzes the different results for economic capital measurement to credit risk of retail loan portfolio in different economic situations , then demonstrates the feasibility of this approach .