Study On The Optimization Of Credit Rating Index System Of H Bank Fishery Enterprises

The fishery has there characteristics,including high impute,high output,and high risk,which determines that fisheries production differs from agriculture,forestry and animal husbandry,or manufacture industry in demand of funds.With its unique rules in the use of funds,fishery has great difficulty in financing.In addition,as the industrial chain of modern fisheries grows longer,the financing problems of core enterprises will increase the risks of upstream and downstream enterprises.Moreover,the fishery industry,especially the fishing industry,has strong externalities,which are impossible for the market to price,also increase the difficulties of commercial banks' credit rating for fishery enterprises.H bank leaders at all levels agreed that the problem of credit rating index system of H bank for fishery enterprises is the root of a series of issues of credit insurance and risk control.H Bank fishery enterprise credit rating index system led to a series of problems of credit issuance and risk control.Under this circumstance,it is of great significance to study the credit rating index system of H bank for fishery enterprises.The research and analysis logic of this paper is "finding problems,investigating and solving problems".Firstly,this paper clarifies the concepts of credit rating and fishery enterprises,and makes a comprehensive analysis of credit risk and the Information Asymmetry theory,laying a theoretical foundation for further analysis and research.Secondly,through questionnaires and interviews,the existing problems of credit rating index system of H bank for fishery enterprises were comprehensively analyzed and sorted out,drawing to the problems such as imperfection of credit rating index,improper weight distribution,subjective qualitative rating methodology,insufficient data support,and etc.Thirdly,this paper aims at the existing problems and the H bank fishery enterprise credit rating principles and strategies,construct the index system of credit rating H for fishery enterprises,respectively from the index selection,index weight,data acquisition,establishment of enterprise rating standards and other sectors,formating a complete system of credit rating.Fourthly,.Taking A company as an example,it applies the credit rating system to this company,determines the score of the company's credit rating,and establishes corresponding credit policy,credit pricing and fund allocation.Lastly,in order to ensure the smooth implementation of the credit rating system,four aspects are implemented respectively,and finally to draw to relevant conclusions and suggestions.