A Case Analysis On The Credit Rating System Of SPDB

The market economy is the credit economy. The credit rating, as important manifestation of the credit economy, becomes inevitably the important constituent of the market economy operational mechanism. The more developed market economy is, the more important the credit rating is. Large and middle scale's companies are important constituent of the market economy, and at present, these customers are still the most main profit origin of various commercial banks. To these customers, the quality of credit rating affects directly the scientific nature and the rationality of credit structure in the banking industry. The credit rating for the companies in banking industry is main instrument quantizing customer's credit risk, core link of credit risk management and important decision basis of credit management and supervisory such as the marketing, the customer admittance, the examination and approval, the credit authorization, the product fixed price, credit property classification of risk, economical capital assignment. achievements inspection and so on in banking industry. How to determine the credit rating for the large and middle scale's customers objectively and fairly is always a question to discuss thoroughly for various commercial banks in a long run.This paper uses the method that the theoretical analysis unifies the real diagnosis research and the quantitative analysis unifies the qualitative analysis. It inquire and research how the middle and small scale's banks unifies own actual situation and use the credit grading model to grade the credit rating of customers for companies . At first this article introduces the background of selected topic and the production, the development and the significance of credit rating; secondly, it introduces the related concepts of credit rating and the principles constructing rating target system, analyzes the main differences between customer rating in banking industry and other rating and elaborate the methods constructing goal customer's credit rating target system in banking industry; in the third part, it shows construction principles of credit rating system of Pudong Development Bank in Zhengzhou, analyzes the composition of credit rating system , and introduces examination and approval's process of credit rank; at last, by the method of real diagnosis analysis it uses credit grading model to grade the selected enterprises and give the optimized comment in the basis of analyzing and discussing superiority and insufficiency.This paper takes theories of five analyses and so on of the credit risk as the guidance, reveal the entire proceeding that credit grading model determines enterprise's credit rank, and explore specific measures to enhance the scientific nature and rationality of the enterprise's credit rating by analyzing financial factor and non-financial factor's quantification inspection in credit appraisal target system. I hope that it could offer a salutary lesson about how to quantize risk .normalize rating and enhance the efficiency of loan approval in practice operation for risk management's members in banking industry through this case's analysis.