The Research Of The Customers' Credit Rating Evaluation System For Commercial Bank Of China

Customers'credit rating evaluation is siganificant for business development and internal management of commercial bank, it play a fundamental role in the credit management, loan pricing, provisioning, risk management, performance evaluation and other aspects. With the official implementation of "New Basel Capital Accord" , we need to build our own internal rating system to accommodate future development needs.In this paper, the first part is a introduction of the concept of the customers'credit rating evaluation system, the second part is a comparison of the foreign and the domestic situation to find out some problems, the third part is some ways to improve the customers'credit rating evaluation system of China.