Study On Commercial Bank Customers Interior Credit Rating

Along with our country monetary system reform speeding up and the finance industry opening degree enhancing, the domestic banks are facing the stern international competition. Considering the financial globalization, our country commercial banks must profit from the international advanced credit risk management experience, strengthen credit risk management. The bank customer interior credit rating has become an important tool for commercial bank to sharpen the risk management ability to optimize asset disposition and realize steady development. The paper studies the commercial bank customers credit rating, through systematically analyzing the present bank customer credit rating system, that hopes to find out the problems and the insufficiencies, propose some correlation opinions and improvement measures, consummate commercial bank customer credit rating system, provide some reference to enhance the credit rating effect.The paper bases the systematic viewpoint and the method of the theory relating to the practice. In the introduction, it discusses our country market credit condition, realizes the significance and characteristic of banks customer interior credit rating. In the second chapter, it analyzes the roles of banks customer interior credit rating in the domestic and foreign banking industry, discusses its application in the risk management, gives a particular description of the internal commerce banks present customer credit rating system basic structure. In the third chapter, based the analysis to the bank customer interior credit rating application, it summarizes and analyzes the questions and the insufficiencies which the commercial bank customer interior credit rating has. In the fourth part, learning from the experiences of developed country banks customer interior rating and the requests of the New Basel Capital Accord, it discusses some concrete measures and opinions to solve the problems and the insufficients which have existed in the bank customer interior credit rating system and its application aspect.