参考历史信用损失经验，结合当前状况及对未来经济状况的预测，通过违约风险

With reference to historical credit loss experience, combined with current conditions and forecasts of future economic conditions, the expected credit loss is calculated through the default risk exposure and the lifetime expected credit loss rate

Based on the experience of historical credit loss, combined with the current situation and the forecast of future economic conditions, the expected credit loss is calculated by default exposure and the expected credit loss rate for the entire life period

Referring to the historical credit loss experience, combined with the current situation and the forecast of the future economic situation, the expected credit loss is calculated through the default risk exposure and the expected credit loss rate of the whole duration<br>