Research On The Internal Rating System Of Credit Risks In China Commercial Banks Under Baselii

In the passing ten years, there has been a global revolution in the measurement and management method of the credit risks. The technique, tools and mehtod for credit risk management in the commercial banks have been developed very well. Undoubtedly, BaselII, June 2004, is the roadstone of the rapid development of the credit risks measurement. Baselll pushed the international advanced commercial banks to start to develop their own internal rating system of credit risks. With the openness of the commercial banks in our country becoming more and more widely, and the listing process of our country state-owned commercial banks, our country's commercial banks have to make the credit risks management, which is the most important part in the banking management, complied with the international ones. At present, there's a lot of work to do in our commercial banks for both technique and experiences. The purpose of this article is try to present some useful suggestions and methods for the establishment of the commercial banks internal credit rating system in our country. This article tries to realize the above mentioned purpose by using the internal rating tools in Baselll and the advanced credit risks management technique international, and also considering the present status and specialty of the credit risk rating in our commercial banks.