Research On Credit Risk Rating Of Enterprise Customers Of D Financial Asset Management Company

There are only five national financial asset management companies in China,which is a relatively small branch in China’s financial industry,but they play an irreplaceable role in China’s financial system.The business of financial asset management companies is similar to that of banks and other financial institutions that mainly rely on credit.However,compared with mature financial institutions such as banks,the business model of asset management companies is mostly non-standard financial business,with more types of business,more complex business structure,large single amount,and less total number of business throughout the year.Therefore,for financial asset management companies,Although credit risk management is a very important subject,it is difficult to continuously optimize the credit risk rating through sufficient historical data and advanced statistical methods like banks and other financial institutions due to the limited conditions of small amount of historical data,insufficient credit risk management experts and short time.This paper combines the fact that the historical rating data accumulation of financial asset management companies is seriously insufficient to use data regression and there are few credit risk experts in the company,and makes full use of the limited data resources and risk rating expert resources in the company.By studying the relevant theories of credit risk rating of institutional customers in the financial industry,we can consult the optimization methods of credit risk rating of institutional customers in banks and other financial institutions,Based on the full investigation of the current situation of the credit risk rating of D financial asset management company’s institutional customers,and drawing on the practical experience of the credit rating of the financial industry,this paper analyzes the AR value,PSI value and the distribution of the credit risk rating results of its institutional customers,finds out the existing problems in its credit risk rating,and redefines the company’s original general enterprise rating model through analytic hierarchy process and expert focused discussion,Offer pertinent optimization proposals to furnish the business with a reference for augmenting the perpetual optimization of institutional customer credit rating in production procedure.