The Design And Implementation Of A Credit Risk System For The Financial Enterprises To Rate The General Company Customers

This essay reviews and compares the development process of domestic and international commercial bank credit risk rating systems, carefully analyzes the deficiencies and gaps of Chinese commercial bank credit risk rating systems, then introduces how the development direction of our country commercial bank credit risk rating system to accurately grasp the essence of agreement requirements under the premise of capital according to its own management level, development strategy and risk preference in current and future, gradually builds the credit risk rating model and internal rating system that adapts the credit business development and Chinese banking industry practice features. Thus, this paper proceeds with the rating model of the major technical methods of credit risk assessment, learns from foreign advanced modeling techniques and rating methods, selects those most representative and quantitative financial indexes that sensitive to customer probability of default, integrates qualitative evaluation factors, gives out the basic idea of building general company credit risk rating models and joins current advanced computer technology and network communication technology to put forward those credit risk rating system designs that accord to the new capital agreement requirements.