Research On The Internal Rating System Of The Bank In China

The significant risk management understanding transforms New Basel Capital Accord along with the marking banking industry in to start in 2006 officially to implement, China's banking industry gradually will move towards the international market. Therefore, in accordance with the requirements of the New Basel Capital Accord, China's commercial banks to establish internal rating system in the face of China's banking industry has become the most important issue. This paper from commercial banks to credit rating system of internal level, comprehensive comparisons and analysis of the commercial bank credit rating system in-depth exploration.The article is divided into five parts: the first part is for the introduction, a thesis on the background, meaning and research methods; The second part outlines the theory of internal rating, which is the theory foundation of the thesis research; The third part is after the contrast of the internal rating of foreign commercial banks, depth analyzing the existing problem of China's commercial banks in internal rating, and using for reference from the internal rating system of foreign commercial banks; The fourth part puts forward the overall framework of the internal rating of China's commercial banks including internal rating organization, rating structure and rating model; PartⅤput forward a few constructive suggestions on China's commercial banks internal rating system including perfecting risk administration organization , training talented person of good quality in order to provide strong support to China's commercial banks on establishing our own internal rating system.