Research On Credit Rating System Of The General Domestic Corporate Customer In The Export-import Bank JL Branch

In recent years, the government has focused on the development of foreign trade economic, organized the Asian Infrastructure Investment Bank, put forword the Belt and Road Initiative, and encouraged Chinese enterprises to ―go out‖. The Export-Import bank is the policy bank to help Chinese enterprises go out, to provide financial support for the introduction of foreign advanced machinery and equipment, and to promote internationally competitive enterprises to develop overseas investment. Distinguished from commercial banks, Export-Import Bank doesn’t have deposits. The fund is mainly from the issuance of bonds so that the repayment pressure is larger. It’s vital to safeguard income for Export-Import Bank to repay. And the policy of the Export-Import Bank to support enterprises adopts preferential lending rates and long loans period even to 20 years. The Export-Import bank would bear more credit risk than commercial banks. Therefore, the Export-Import Bank must strictly control credit risk to minimize loan delinquencies. Credit rating is the starting point for lending,and the research of the credit rating system in the Export-Import Bank helps it to decrease credit risk.This dissertation chooses the Export-Import Bank JL branch to study. And the paper mainly studies the credit rating system of general domestic corporate clients. The JL branch credit rating is composed of quantitative and qualitative analysis method, and combining to score two weighted average to determine the customer’s credit rating. From the research, there are some questions in the credit rating system. For example, it lacks the evaluation of cash flow, the capacity of obtaining cash, social contribution, the risk of exchanging, insustry background and so on. According to the result of credi rating, it can not guarantee the fiduciary companies have enough cash to pay off bank loans.According to the credit rating business norms, the dissertation rebuilds a new credit rating system in the quantitative and qualitative analysis. The quantitative analysis is mainly from the solvency, profitability, operational capacity, development capacity, cash flow, ability to obtain cash and social contribution seven aspects, containing 14 basic indicators and 14 amendments index. The paper determines the index weights by Analytic Hierarchy Process. The qualitative analysis indicator system comprises currency risk, market competitiveness, industry background, management, operation status, credit status and development prospects. It contains 7 first grade level indicators, 31 secondary indicators and 63 third-level indicators, using the same AHP to determine the index weight. Finally, the quantitative and qualitative analysis combined with a comprehensive assessment to determine the final rating score fiduciary companies. In this paper, a customer data of JL branch is applied to the JL branch existing credit rating system and the new credit rating system constructed in this paper. In the end of the paper, there are some measures to safeguard that the new credit rating system can be used in the Export-Import bank JL branch.