The Optimization Research Of C Commercial Bank Credit Rating System

With the development of world economy,the concept of credit in every aspect of the importance of increasing economic life.In China since the reform and development,the rapid development of the socialist market economy,especially after joining the world trade organization,China's rapid advance of economic globalization,Chinese goods and financial markets in the form of a more open to participate in world competition tide.While in the financial sector,especially in the banking sector,credit risk is still the main risk to the supply of funds.Domestic commercial Banks generally use credit rating as a customer access,risk control and post-loan management,capital assessment of important yardstick.Based on the C commercial bank credit rating model as the research object,combined with the new Basel capital accord requirements and the characteristics of the our country economy element,studied the C commercial bank credit rating system.To fail to cover in its credit rating at the same time put forward own proposal.Suggestions include: the indexes of rating model and weight optimization,the ratings management improvement program,at the same time also to Internet + light capital to take up the business enterprise as the object,according to the characteristics of the new enterprise evaluation policy Suggestions are put forward.In this paper mainly focuses on the financial analysis in the process of analysis and optimization,as well as the management system has carried on the brief introduction,hope that through study in C commercial bank credit rating system on the basis of the original more optimized,the rating results more objective reflect the rated corporate financial and economic conditions.