Lianhe Rating Company For Dalian LiHong Company Credit Rating Case Analysis

Credit is the link of market economy, credit rating is of vital importance in marketeconomy, for the market economic operation mechanism, especially the core component.With the development of the market economy, the importance of credit rating becomesmore intense. For the market economy, the enterprise is an important part of Corporateclients for commercial bank is the main source of profits, the scientific nature andrationality of the customer credit rating of the enterprise directly affect the quality of thecommercial bank credit assets. Commercial Banks before the review of loans tocorporate customers are divided into external and internal credit rating rating; If relativeto quantify the risk of corporate customers, credit rating is the main means, is the mainlink, the commercial bank risk management is the commercial bank marketing, selectionof target customers, to customers on credit, loans, loan interest rate pricing, classification,performance appraisal and other credit business management and daily managementwork of the main decision-making basis. Class of the enterprise, therefore, to determinethe objective of the customer’s credit rating, has been the Banks worth to discuss deeply.In this paper, the main use of the method of case analysis, in view of the case forquantitative analysis and qualitative analysis, the main research using external ratingcompany model for rated enterprise credit rating. In this paper, the first chapterintroduces the background of selected topic, development and function of credit rating;The second chapter, the paper introduces Lianhe credit rating company to the customercredit rating system of basic method; The third chapter, Dalian Lihong company case tointroduce the rating system and the concrete application of the theory; The fourth chapter,the rating system, presented in this paper, and theoretical summary, analyses itsadvantages and disadvantages are discussed, and targeted puts forward amendments.This paper, taking Dalian Lihong company as a case, in view of the external ratingof the rating system and the theory shows a rating agency, credit scoring model todetermine the whole process of enterprise credit rating, and through the analysis in viewof the enterprise industry, financial analysis, to explore the concrete measures ofimproving enterprise credit rating scientific rationality. Hope that through the case analysis for commercial Banks and rating agencies risk management in practice how toquantify risk rating, standard provide beneficial help.