Research On The Improvement Of Credit Rating System For A Bank Large And Medium-sized Company Clients

At present,the main risks faced by commercial banks in our country include credit risk,reputation risk,operational risk,market risk,etc.Among them,credit risk is still the main risk.One of the important means for commercial banks to manage credit risk is customer credit evaluation.As one of the large state-owned commercial banks,the current customer credit evaluation system of A Bank has problems such as imperfect evaluation process,lack of independent credit evaluation department,imperfect credit evaluation indicators,and incomplete application of evaluation results.Research on improvement of the credit evaluation system of large and medium-sized company clients evaluation of A Bank is of great significance for reducing the credit risk and improving the competitiveness of A Bank.This article takes the credit evaluation system of large and medium-sized company clients of A Bank as the research object.It based on the theory of credit evaluation and credit evaluation system,the article first conducts a systematic analysis of the credit evaluation system of large and medium-sized company clients of A Bank,and applies the literature reading method and questionnaires,and interview method,it based on the theory of transaction cost theory and information asymmetry,to analyze problems in the credit evaluation system subjects,evaluation indicators,evaluation process and application of evaluation results of the A bank’s existing large and medium-sized company clients.,and further analyzed the main reasons for the above problems,and finally proposed an improvement plan suitable for A Bank ’s customer credit evaluation system.Through the research of this article,it is believed that if we focus on establishing an independent credit evaluation department,optimizing the business process of credit evaluation,optimizing evaluation indicators and broadening the application of evaluation results.that we can solve the main problems in the credit evaluation system of the large and medium-sized company clients of A Bank.The improvement plan and safeguard measures for the customer credit evaluation of large and medium-sized company clients of A Bank proposed in this paper are of great significance for improving the credit risk prevention and control capability of A Bank and the level of customer credit evaluation.