Cedit rating, which is a quatitative method to define the debt-repaying ability , debt-repaying will and probability of default (PD) with a series of special chractors, plays quite an important role in important credit risks management.

• 其中：运用特定的符号对债务人还款能力、还款意愿及其违约的可能性进行量化的信用评级正是银行提高信用风险管理能力的重要技术手段。