Chapter 2 discussed the credit risk rating method and the application situation in the developed country mainly in the European countries and American commercial banks.

• 第二章论述了发达国家主要是欧美银行业信用风险评级方法与应用现状,阐述了《巴塞尔新资本协议》对信用风险的评价方法及美国商业银行内部信用评级的现状与特点,并通过瑞士联合银行的案例具体分析了先进内部评级体系的特点;