China Construction Bank Customer Credit Rating Index System Improvement

During the reforming for commercial banks, the state-owned banks pay more attention to the credit ranking of clients. The value of credit ranking lies in two aspects. On the one hand, the establishments of credit risk identify system enable banks to screen out high quality clients. On another hand, it helps commercial banks to find out the potential value of clients. By the ranking of credit, banks can achieve to a balance between risks elusion and client exploitation.The research is based on the credit ranking regulation of China Construction Bank. By the analysis of a case for credit ranking, we will find out the defects present in ranking process and ranking index system. Reference to the credit ranking system for commercial clients of American Standard&Poor's corporation, the author puts forward a new system of credit ranking for commercial clients. At the end of the thesis, a credit ranking system for real estate companies and small and mid-sized private enterprises is brought forward at the same time.