Study Of China's Commercial Banks' Internal Rating System

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 credit risk management and capital management theory; The third part is after the internal rating for China's commercial banks for the development of the analysis, depth analysis of China's commercial banks in the process of developing an internal rating, from U.S. commercial banks and then passed on the internal rating for China's commercial banks to draw inspiration; The fourth part is the key part of this, including the overall framework of the internal rating of China's commercial banks system, In this framework, as well as the constituent elements of each building. That suits the actual conditions of China's commercial banks reached an internal rating system. Part V from China's commercial banks internal rating system operational mechanisms and infrastructure on a few constructive suggestions, increasing competition in the financial markets in the future on China's commercial banks should establish their own internal rating system, thereby reducing the losses caused by credit risk and promote the international competitiveness of China's commercial banks. Provide strong support to China's commercial banks.