A Bank Customer Credit Rating, Credit Research And Credit Risk Management System

Managing Credit Risk is the core skill of the Bank. People have never stopped research Credit Risk since the establishment of Bank. The tragedy occurred constantly due to the poor Credit Risk management. The nearest example is the bankruptcy of IndyMac Federal Bank in June 2008.BANK-A which was established less than two decades, its credit risk management is almost starting from scratch. It is of great practical significance for BANK-A to build its own credit risk management theory and practical credit risk management system based on the modern credit risk management theory and practical experience of bank credit risk management.From the empirical point of view, using a combination of qualitative and quantitative research methods, combined with the practice, the thesis discusses the core issues on BANK-A's credit risk assessment and credit limits management and credit risk management system. Trying to conduct a comprehensive theoretical and practical exposition of BANK-A's credit risk assessment and management system, thesis discusses the credit risk assessment system and management system with a large number of examples.Thesis is divided into six chapters. The first Chapter is mainly to introduce the relevant background to the significance of study and research methods, as well as international and domestic credit risk management Research; Chapter II of the credit risk assessment index system of BANK-A, is a description of the main indicators of the bank credit rating, includes the construction of indicators, indicators selection and calculation of the index weight of the distribution; Chapter III of the BANK-A credit rating assessment studies, is a description of the methods of BANK-A's customer credit rating assessment; Chapter IV of the Study on the Measurement of customer credit limits of BANK-A, is a discussion of customer credit limits calculating method combined with examples; Chapter V of the existing bank credit risk management system of BANK-A, tries to carry out the analysis on credit risk management system of the BANK-A and make recommendations; Chapter VI is the summary of the thesis. Thesis uses a combination of qualitative and quantitative methods with a large number of examples to discuss BANK-A's assessment of credit rating system and customer credit limits measurement procedure; this keeps in close contact with the banking practices and provides considerable objectivity and practical value for credit risk management.Thesis analyzes the existing bank credit risk management system of BANK-A compare with advanced international banking experience and pointes out the existing credit risk management system deficiencies, and puts forward suggestions for improvement.