The Analysis Of Internal Ratings-based Approaches Of CCB Branch Of China Construction Bank

About commercial bank customers credit rating is very important aspect of risk management. commercial banks to upgrade its overall risk management, shaping the core competitiveness of commercial banks play an increasingly greater role. Establish and implement internal rating process will become a commercial bank risk management at the core. Follow-up work in other areas is a prerequisite for development of credit policy, credit risk management, loan approval decisions, Credit customers and the amount of the reserve for retaining reserve funds, the economic capital allocation and the basic of RAROC management.The whole text is formed totally by 5 parts, the first part has analysed CCB branch of the Construction Bank credit ratings management background, explained the meaning and the establishment of a credit rating system for the internal rating guiding ideology; The second part of the CCB branch of the Construction Bank to establish specific internal ratings analysis, including the development of CCB branches credit rating. Class analysis of the current methods of rating companies and corporate clients internal rating categories of customers and the characteristics of internal rating; The third part of the implementation of the Law on Construction Bank CCB branches of the internal ratings analysis, including internal ratings tissue. Internal rating business operating procedures, internal rating business management, maintenance and support of internal rating; Part IV of foreign banking experience, the internal management of risk rating in the idea, internal management of bank credit...