Research On Optimization Of Customer Credit Rating System Of Shandong BOC

As several major state-owned commercial banks like BOC,ABC,ICBC and CCB have been selected as G-SIFIs in recent years,which marks China's commercial banks is becoming more and more important in the field of international finance,and have put forward more stringent requirements for the risk management of domestic commercial banks.At present,as an important means for commercial banks to identify and quantify risks,customer credit rating plays an important role in the management of bank credit risk.However,as one of the state-owned commercial banks,the customer credit rating system of Bank of China is still imperfect.Therefore,it is of great significance to optimize the customer credit rating system of Bank of China,enhance the ability of credit risk identification,and make breakthroughs and development in the competition with international advanced commercial banks.Starting with the theory of credit risk and internal rating,the foundation of credit rating,and the domestic and international research on credit rating methods,this paper takes the customer credit rating system of Bank of China Shandong Branch(hereinafter referred to as " Shandong BOC")as the research object,analyzes the current situation of the customer credit rating system of Shandong BOC,and puts forward some problems existing in the customer credit rating system such as rating model and rating index.Based on the daily work application,this paper puts forward specific optimization suggestions on the internal credit risk rating system of Shandong BOC:(1)setting up an optimization model close to the actual business situation;(2)further refine the index settings;(3)adding a post-rating system for predictive indicators;(4)large data analysis model to promote the optimization of rating;(5)perfect the credit risk management system.Finally,it takes Inspur A company as an example to analyze the application of the case.It is rated according to the improved rating system,and compared the new and old rating results.Through the optimization of the customer credit rating system of Shandong BOC,we can control and manage the credit risk effectively.The innovation of this article is mainly reflected in the perspective of research.From the perspective of rating personnel,it is relatively novel to optimize the customer credit rating system by taking Shandong BOC as the research object.Starting with the daily specific application of the customer credit rating system of Shandong BOC,this paper puts forward the existing problems,and expounds the optimization suggestions for the system.Then it takes Inspur A company as an example for application research,and makes a comparison of the credit rating results,which reflects the specific effectiveness of the optimized model.