Our Country Commercial Bank Supervision Rating System Research

Produce from the commercial bank, risk is concomitant and always together with it. Particularly since 90’s in the 20th century, the economy, financial globalization can’t block certainly, the financial innovation pile up one after another. Because all countries National Central Bank takes charge of to manage the development of the level hard orientation bank business with the commercial bank risk, the financial crisis also presents to increase it continuously certainly. Along with the financial globalization, the financial liberalism trend strengthen, the effective supervision of commercial banks in our country seems to be particularly important.Be foundation and premises of the risk management, the rating system of banking supervision is an important link of the risk management, the rating system of banking supervision level manages the level in certain meaning the level of a country’s banking supervision. Carrying out the rating system of banking supervision for commercial bank in China was not long, but it developed very fast. With the gradual opening up of the financial industry, the regulatory authorities actively explore the construction of rating system of banking supervision, and gradually introduce rating system for banking supervision to commercial bank. So far, with the practice in supervision, the regulatory achieved positive effects.This text aims at the commercial bank risk of our country, associates with the risk management theory to analyze the risk assessment system, absorbs the practical experience in rating system of banking supervision of developed country, inspecting the rationality and timely of the rating system of banking supervision in our own country, comprehensively use of related econometric models and algorithms to constantly improve the rating system, which provides a scientific and feasible diagnostic tool in identifying and measuring risks in various commercial banks and is so conducive for the financial regulatory authorities to know the risks that can targeted to take regulatory measures to improve the efficiency and effectiveness of supervision, to guard against and defuse the over all risk of financial institutions and build a safe financial system. Also it has the draw and the reference value to in-depth of commercial bank risk estimating system.