Research Of Credit Ratings System For Xi’an Branch Of Shanghai Pudong Development Bank

The risk management of the world financial security to commercial bank has a long time.2004 "New Basel Capital Accord" made a new regulatory framework for commercial banks.And compared to the developed international banks,most of Chinese commercial banks still are in a transition and development phase.Under the new rules and requirements,Chinese commercial banks will be far reaching.Moreover,the current round of credit crisis because of the U.S.real estate market triggered a global financial crisis shows that financial institutions in the credit crisis on the country’s economy a huge impact.Therefore,the international financial communities to the growing concern about credit risk.Based on the above background,this article from the theory of internal ratings-based approach are analyzed in the new Basel agreement and the impact of subprime loans spread to the global context,from other firms of IRB on the basis of research experience and achievements,combined with their own work experience,using comparative analysis,theoretical models and other methods analyzed the Xi’an Branch of Shanghai Pudong Development Bank,aimed at enterprises and corporate customers to implement IRB status and existing problems and proposed to conduct an internal credit rating system improvement program.