The Study Of Credit Rating To Commercial Bank In China

Bank credit rating is the judge of a bank's current overall finance ability to reimburse its financial debt, in the foundation of comprehensive analysis of a commercial bank's credit, through the combination of qualitative analysis and the quantitative analysis method, synthetically evaluating the macroscopic risk, the profession risk, the capital sufficient risk, the liquidity risk, the profit condition as well as the market risk and the interest rate risk and so on which faces to the commercial bank.Credit rating is still a newborn thing in China, at present credit rating to commercial bank has not brought to enough attention yet, and has not formed a set of scientific rating systems. After entering WTO, we gradually fulfill our promises. With the financial service industry opens comprehensively, the foreign bank with good credit rank enters domestic market to participate in the competition; The advancement of money market opening speeds up, the capital market develops, commercial banks successively list on the market, bank credit rating will certainly plays its role more and more, this requests us to establish bank credit rating system as soon as possible. However, credit rating in developed countries has nearly hundred years history, it is widely used in financial products and financial institutions; Due to the continuous growth of the international financial risk, IMF, BIS and many national financial supervising and managing authorities come to use credit rating method in their monitoring; Most international rating organizations has formed their own credit rating system, which provided experience for us.International and domestic scholars, rating organizations as well as the supervising and managing authorities have conducted the research on commercial bank credit rating, which provided a broader mentality for us to establish our bank credit rating system. This article take the commercial bank credit rating system's establishment which suits our national condition as the main content, on the basis of ascertaining bank credit rating's connotation, its principle and basic content, modeling developed countries' experience, considering our practice, at the same time, recurs to case analysis, propose the conceive of commercial bank credit rating indicators, as well as correlation suggestion to develop and perfect commercial bank credit rating, mainly from the third party rating institutions' angle. Currently, speeding up the establishment of our bank credit rating system, will be advantageous to lift investors' risk consciousness, will be advantageous to strengthen financial institutions' risk management and self- restraint ability, will be advantageous to help supervising and managing authorities to reduce difficulties, will be advantageous to disperse and melt the financial risks gradually, will be advantageous to further advance the reform in our financial market, will be advantageous to connect with international markets.