From the perspective of credit risk control, the major banking risk, under the guidance of Basel Accord II, with the focus on internal control the paper discusses the process control starting from credit pricing.

• 以我国商业银行风险中最主要信贷风险控制为视角、以《巴塞尔新资本协议》为导向，以确定我国商业银行信贷风险控制的量化标准为基础、以资本充足率和信贷定价为起点、以化解不良贷款为关键点、以内部控制为重点、以监管与市场约束为保障构成了本文的研究主线。