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20世纪90年代末，一种新型的信用风险管理工具——信用衍生工具出现在金融界。In the later 1990s a new type of credit risk management tool,credit derivative tool emerged in the financial sector.十几年来，它在全球迅猛发展。本文通过分析其种类，了解信用衍生工具如何规避风险，并分析信用衍生产品在银行业风险管理的作用。Over the past decade it had devloped rapidly. This paper explains how to avoid risks by using credit derivative tool through analysing its types, and analyzes the roles of credit derivative products in risk management of banking.最后根据我国银行业的实际情况初步探讨信用衍生工具对我国商业银行风险管理的影响及其带来的挑战。Finally a preliminary analysis of the impact of credit derivative tool on the risk management of China's commercial banks and the challenge brought by it is made on the basis of the practical situation of domestic banking

In the late 1990s, a new type of credit risk management tool - the credit derivatives in the financial sector. Over the past decade, the rapid development of the global. Through its analysis of the types of credit derivatives to understand how to avoid risks, and analysis of