Total budget management ( TBM ) is a comprehensive management system, which reflects the results of operation and financial management in value and practical material during the period by means of scientific prediction and decision-making. 全面预算管理就是从企业整体出发,通过科学预测、决策,用价值和实物等多种形态反映企业未来一定时期内生产经营及财务成果的综合管理系统。
In total, the credit risk quantification management is the current trend, which adapts to the subdivision of the financial market and the need of effective risk management. 总体来看,信贷风险量化管理是一种潮流趋势,是适应金融市场细分和信贷风险有效管理的客观需要。