UC知道谁能帮我翻译下这两段话?
来源：百度知道 编辑：UC知道 时间：2024/06/04 04:24:53
近年来，大量经济学文献讨论了各种各样的风险问题，其中金融风险因其代表性而成为关注的焦点。金融风险既是一个行业问题，同时也是一个社会问题。因此，信用风险管理不仅是各国商业银行的内部管理事务，而且也是一个需要社会共同参与的系统性工程。由于目前的信用风险评估模型都是基于西方的市场状态创建的，而我国正处于市场经济的形成阶段，与西方市场存在差异，因此西方技术在我国的实际运用还受到制约，我们要不断改善外部环境的同时，逐步地提高商业银行的信用风险评估技术水平。
把信用风险量化一直是国际银行业努力的方向，近年来随着金融技术的进步以及各项金融衍生品的诞生，这一领域的研究取得了突破性的进展，并且极大地提高了商业银行的风险管理能力。本文简要叙述了信用风险评估模型的发展历程，并对包括新巴塞尔协议内部评级法在内的有代表性的KMV模型进行了详尽的研究分析。
In recent years, a large amount of economics literature has discussed various issues of risks, among which finance risk has become a focus because of its typicality. Finance risk is not only an industry issue, but also a society issue. Hence, credit risk management is not only an internal management affair of business banks in every country, but also a systemic project that needs to be participated in by the whole society. Because the current evaluation models of credit risk are built basing on the state of western markets, moreover, China is on the formation phase of market economy at the moment and has gaps comparing with western markets, therefore, western technology should have some restrictions in the practical application of China. It should be improved external environment continually. At the same time, it should enhance the credit risk evaluation technology level of business banks gradually.
Quantification of credit risk is always a direction for which internat