Implementing internal rating approach in The New Basel Capital Accord brings forward the least demands, the objective of these demands is commercial banks should subdivide efficiently and work out credit risk .

• 《巴塞尔新资本协议》内部评级法的实施对商业银行信用风险内部评级体系提出了最低要求，其目的是要求商业银行对信用风险进行有效细分和精确测算。