This thesis devotes efforts to the study of the two representative models, tries to fill in the gap in the domestic research of credit measurement and management, and narrows the gap between China and other developed countries in this area.

• 本文通过对信用风险量化度量和管理两个代表性模型的研究和阐述,结合我国商业银行的现状和实际情况,对我国商业银行信用风险模型分析和建设提出了一些意见和建议。