Responding to the BASEL II IRB approaches, commercial banks and scholars in China have made some researches on the quantitative model to evaluate credit risk models.

• 为响应新巴塞尔资本协议对信用风险的内部评级的要求，我国商业银行和学者也已经开始研究和借鉴西方商业银行成功应用的信用风险度量模型。