| Self-liquidation trade finance refers to the structural short-term finance that the bank gives for advance payment, stock-in-trade and account receivable of enterprises. On the one hand, for middle-sized and small-sized commercial banks, with the development of market economy, and under the promotion of national commercial bank reform and the impact of foreign banks, it is likely to lower the possibilities of cooperation with some big and good clients, and then, they only collect some limited resource to cultivate specialization of some special fields and depend on different competition to win the market space. So, aimed at middle-sized and small-sized commercial banks, self-liquidation trade finance is the excellent development for the bank business. On the other hand, the difficulty of middle and small-sized enterprise finance is a serious problem, has already restricted the further development of middle and small-sized enterprises, and has influenced the normal development of social economy. How to resolve the finance problem is the important theory and practical problem concerned by social circles. The choice and operation of a series of relative correct and quantitative bank inner credit rating skills has a very important significance to decrease the worry of bank about giving a loan to middle and small enterprises and solve the difficulties of financing so as to realize the goal of"double-benefits"between banks and enterprises. The thesis is to form a bank inner credit rating system based on self-liquidation trade finance that fit for middle and small enterprises from this angle.The thesis starts with the concept and characteristics of credit rating. And then after the analyses of risks derived from credit rating, the author gives a brief statement on credit rating mode in theory. All these narrations provide the theoretical foundation for the further discussion. Later, the thesis gives a whole discussion on current credit rating status of Bank A, and finds some problems of current credit rating system in practice. The rating objects in current credit rating system of Bank A are clients who are using or applying for the support of credit of such bank and who provide guarantee for the clients who give credit. The system goes on integrated judgment from six aspects, that is... |
