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如果在预先确定的投资组合参数内银行设定的风险是审慎的，银行就取得了成功。这就意味着，确保风险敞口有效识别和适当监控的政策和程序、确保贷款定价、贷款期限和其他防范不良贷款或呆账的措施与银行所能承担的风险水平相匹配。信用风险管理的目标是：将风险敞口保持在可接
If the risk set by the bank is prudent within the pre-determined portfolio parameters, the bank is successful. This means that policies and procedures that ensure that exposures are effectively identified and properly monitored ensure that loan pricing, loan maturities and other measures to prevent NPLs or bad debts match the level of risk that a bank can afford. The goal of credit risk management is to keep risk exposures accessible