The Research Of Credit Rating Of Commercial Bank's Customers In China

Credit rating is the assessment of repaying debt capacity and willingness of customers doing by commercial banks, the evaluation of the risk of debt repayment the base of determining the extent of loan risk and the foundation of assets and credit risk management. This requires banks to give a scientific evaluation of the business activities of enterprises, business performance, profitability, solvency and so on to ascertain the extent of loss of uncertainty about loan assets, to prevent credit risks in maximum. At present, all major domestic commercial bank credit rating systems are strong subjective, ratings issues such as the lack of predictability of a direct impact on bank credit risk control. Against such problems, the existing rating system has been optimized:First, we come to the financial crisis early warning z value model, derived from the method of financial data mining, screening, by this way, we could have an objective evidence of the judgment of the financial situation of enterprises and then combine the non-financial indicators of the qualitative analysis, enterprises reached the final ratings. The rating system has the advantage of: financial indicators of the introduction of model evaluation, rating more empirical in nature, rating the accuracy of the results stronger; financial indicators and non-financial indicators system, the combination of the complementary advantages to achieve. Finally, the article on the bank's credit rating system by the establishment and improvement of the policy recommendations, including improving commercial bank credit risk control system, strengthening industry research, and establish and improve credit risk management and create a database based on ratings to the good work of the external conditions and so on.