The Credit Rating System Research Of Real Estate Clients For Agricultural Bank Of China Dalian Branch

Credit rating is an important basic work for credit management of the commercial bank. With the development of economy and the strengthen of supervision on banks, the client credit rating on credit management of commercial banks is more important day by day, and there are more and more requirements on evaluation methods. The establishment of a scientific and effective credit rating system for commercial banks improves the level of risk management with practical significance. The main purpose of this paper is to establish the actual real estate client credit rating system which is suitable for the Agricultural Bank of China Dalian Branch.This paper is divided into five chapters. The first chapter introduces the background of this paper, the theories of home and abroad and the technique in this paper. The existent credit rating system of real estate clients in the Agricultural Bank of China Dalian Branch and its defects are introduced in the second chapter. In the third chapter, a new credit rating system is established. In the forth chapter the new credit rating system is demonstrated and verified reasonably through an example. Fifth chapter summarizes the full paper, proposes the paper research conclusion and the innovation spot.Based on analyzing the existent credit rating system in the Agricultural Bank of China Dalian Branch, This paper focuses on raising six principles of credit rating index system, establishes an index system covering all aspects of credit risk, identifies the scale of indicators with AHP and proves the rationalization of it through consistency test, divides the credit rank into ten levels elaborately and determines the score range reasonably.The innovation and characteristics of this paper mainly display in three aspects: Firstly, this paper increases three indicators including periodicity, profession policy and financial tax policy, comprehensively reflects the influence to the client rating by macro-factors, makes up the defect of the existent rating system which reflects the macro-factors insufficiently. Secondly, this paper increases many indicators including the growth rate of business income, the growth rate of net profit, the situation of land reserves and so on, dynamically reflects the future development tendency and potential of the clients, corrects the existent rating system which only pays attention to the static information. Thirdly, this paper identifies the scale of various indicators with AHP and makes the scale distribution of the existent rating indicators more reasonably.