Research On P Bank Retail Credit Internal Rating System

Retail loans and corporate loans,retail loans reveals the characteristics of the numerous quantity and industry decentralization,different from corporate loans,which requires the business bank to conduct intensive management on retail loans as well as proceed quantitative management on its risks,accurately measuring its credit risks,therefore,it is extremely important to discuss basic theories and practical applications for the internal rating system of the retail at business banks.The dissertation combines quantity analyses with normative analyses,taking the data of retail loans in the last five years from the P bank as examples,studying basic theories used by the P bank for building the rating system and situations of retail credit risk management as well as the necessity and process for building the system,through above-mentioned analyses,the system is regarded to have a good application effect on shortening retail business review and approval time as well as on implementing risk management,the loan client's probability of default and loss given default can be calculated in accordance with related borrower's information entered in a system through the system as well as through retail pool assignments,moreover,based on this,the classification of loan risk levels and management after loan can be conducted,a more scientific retail rating risk management can be carried out.Besides,the dissertation puts forward the guarantee measure for ensuring the normal operation of the retail internal rating system based on the aforementioned study,and the retail internal rating system of the P bank is guaranteed to operate normally through the four aspects of building relevant administering structures,reinforcing data management,bringing in talents and transforming risk management ideas.