Especially after nineties of 20 century, problems of credit risk management were introspected from a series of severe incidents such as bankrupt of Barings and Asian financial crisis.

• 尤其是20世纪90年代以来，人们对巴林银行倒闭、亚洲金融危机等一系列重大的金融风险事件中存在的信用风险管理问题进行了深刻的反思。