Borrower Credit Rating

As a kinds of methods for the purpose of guarding against the risk the society to supervise, Credit ratings obtained the fundamental research proof and the developed country practice examination to the market economy importance and the promoter action. The international credit ratings appraisal profession in the nearly one hundred years history, has formed more perfect theories and the method gradually, is acting the extremely important role in capital market and even in the entire economic system. But our country's credit ratings appraisal industry produces in the 80's last stages, at present still was at the primary development stage compared the existence big disparity with the developed country, like the supervising and managing department promoted dynamics insufficiently, the enterprise knew the insufficiency, appraisal technology backwardness, the target system were imperfect and the qualitative analysis takes and so on insufficiently, caused the credit ratings appraisal quality not to be high, the accuracy missed then suppressed its effective display function. At present, our country economic system is being in the reforming time, regardless of the public ownership system economy also the non- public ownership system economy, regardless of is the small business big enterprise, the credit all is one kind of extremely scarce resources. And joined WTO along with the socialist market economy system gradually consummation the very quick past, was urgent needs again to construct and to enhance the social credit foundation, enhanced the entire economical movement the transparency. In 2003, the State Council basis party's 16 session of Third Session spirit, entrusts with the People's Bank management credit to draft the ratings industry, impelled the establishment society credit system intelligence, the People's Bank according to the above to establish has drafted the credit control section, was responsible for the credit to draft the credit supervisory work. In 2004 in the Shandong Province 4 cities development loan enterprise rating experiment work, and comprehensively shoves open the credit enterprise in 2005 April to do the credit rating...