Research On EXIM Bank Credit Rating Of Liaoning Equipment Manufacturing Enterprises

Credit rating is the basis for banks to determine the risk level of loan granting and the foundation of credit-funds risk management. At the present stage, with the further development of financial mechanism reform, it has higher demand for the security and profitability of credit loan which will end up with the increasingly positive impact to banking credit system by credit rating. It is of practical significance to establish the scientific credit rating system for improving the risk management standards of commercial banks.The author is the credit assessors of Dalian branch of China Imp & Exp Bank, engaged in the management of Credit Risk Analysis and Credit rating of equipment manufacturing enterprises. In the work, The author find many potential equipment manufacturing enterprises can not get a higher credit rating for the constraints of business scale or operation level. So encountered many obstacles in loans, severely limit the rapid development of enterprises. There is a certain irrationality in the original credit rating system to some extent.The author taking the Dalian branch of China Imp & Exp Bank as the research target, pursuant to the analysis of the problem of current rating system, and the requirement relating to internal rating in 'New Basel Accords'. Empirical analysis and normative analysis using the method of combining the design of the hierarchical model to improve current credit rating system. In addition, through the case study of model demo in one Resources Company, we have validated the feasibility of this model to credit rating system. Our expectation is to increase the credit rating of some high potential enterprises complying with nation's long term development target by the adjustment of index weight, so that those enterprises could get higher credit loan quota to enhance the development of the entire manufacturing industry.