银行信用评级

国内商业银行信用评级体系案例研究

Case Analysis of Domestic Commercial Bank 's Credit Rating System

因此，深入探析中小企业信用风险评价难的成因，有针对性的对ZX银行信用评级体系进行改进设计，解决中小企业融资困境和信用评价难题，是一个亟待解决的现实问题。

Therefore , in-depth Analysis of the Causes of the SME credit risk evaluation , targeted to improve the ZX Bank credit rating system design solutions to SME financing the plight and credit evaluation problem is a real problem solved .

基于层次分析法的商业银行信用评级模型研究

Research of Credit Rating Model of Commercial Banks Based on Analytical Hierarchy Process

基于中小企业融资的银行信用评级体系研究

Research on the Bank Credit Rating System Based on Financing of Small Medium-size Enterprise

第二，商业银行信用评级也是银行进行自身风险管理的基础。

Secondly , their own risk managements of commercial banks are on the basis of credit rating .

第三，金融机构间的业务往来、合作关系的建立需要以商业银行信用评级状况作为基础。

Thirdly , the commercial bank credit rating is taken into consideration seriously during the business transaction and the buildup of cooperation relationship among the financial institutions .

目前，国内各大商业银行信用评级体系大多存在主观性强，评级结果缺乏预测性等问题，直接影响到银行信贷风险的控制。

At present , all major domestic commercial bank credit rating systems are strong subjective , ratings issues such as the lack of predictability of a direct impact on bank credit risk control .

基于这一背景，我们对国际信用评级机构关于银行信用评级（包括个体评级、支持评级和债务评级）的原理和方法进行全面的总结，并对其局限性进行分析和评论。

In view of the above-mentioned background we have made an all-round summary of the principles and methods of how international rating agencies rate bank credits ( including individual rating , support rating and debt rating ) and made an analysis of and a comment on their limitations .

国家开发银行的信用评级体系，是根据波士顿咨询公司（BCG）的咨询与建议以。

China Development Bank 's credit rating system is set up on the basis of consultation and suggestions of Boston Consulting Company , internal rating methods of European and American banks , and the situation of China and the bank itself .

非财务指标对商业银行企业信用评级的影响研究

The Effects of Non-financial Factors on Internal Credit Ratings

基于M.H.DIS的我国商业银行企业信用评级方法

M.H.DIS-based Credit Assessment on Chinese Commercial Banks

湖南省工商银行内部信用评级体系研究

The Research on Internal Credit Rating Systems in Industrial and Commercial Bank of China Hunan Branch

但很明显，金融稳定论坛希望银行和信用评级机构变得更为透明。

But it is clear it wants banks and credit ratings agencies to become much more transparent .

同时，加入了对某国有股份制银行现行信用评级系统的实证分析，并与内部评级法的要求进行了比较分析，利用案例来进一步说明内部评级法对于信用风险评级的优越性。

Meanwhile , an empirical analysis about the current credit rating system of a state-owned shareholding bank is introduced within the paper .

为此，本文在尽快建立和完善我国商业银行客户信用评级指标体系，以及对客户信用评级结果的检验方面作出了积极的探索和创新。

This dissertation does some positive probes and innovations on the establishment and development of customer credit rating index system for civil commercial banks .

银行内部信用评级体系主要包括信用评估方法、数据的收集、信息系统的建立和信用风险控制的流程及组织框架。

The credit rating system mainly includes credit rating method 、 collecting date 、 building information system and the credit risk controlling process & organization frame .

这一动向是由穆迪（Moody's）一份报告引发的，该报告警告称，在东欧拥有分支机构的西欧银行有信用评级下调的风险。

The shift was prompted by a report from Moody 's which warned that west European banks with east European subsidiaries were at risk of credit rating downgrades .

我国必须建立商业银行信用风险评级和贷款风险分类体系，同时改革银行的信贷管理流程。

The commercial banks of China should set up credit risk rating system and loan making classification system while making reform in the process of loan making management .

按照国内不同银行的信用评级与风险水平，测算的存款保险费率从被保险存款的0.04%到2.18%不等。

According to the different risk profiles and credit ratings of different domestic banks , the premium may vary from 0 . 04 % to 2.18 % of insured deposits .

一套科学、完善的中小企业信用评级技术和方法可以使贷款银行和信用评级机构准确地判断出企业的信用状况，为银行对企业给予信贷支持提供重要的参考依据。

A suit of technique and method of credit rating of SMEs which is scientific 、 integrated can make the credit banks and rating institutions judge the credit levels of SMEs accurately , then provide the important reference for the credit support which bank offer to enterprises .

本文在对国有商业银行当前信用评级方法存在问题和国内外相关研究成果进行分析的基础上，提出了构建国有商业银行内部信用评级模型，提高信贷风险管理水平的建议。

After an analysis is given of the problems that exist in current credit rating of state-owned commercial banks along with relevant research results achieved at home and abroad , an internal credit rating model is proposed , designed to improve credit risk management for state-owned commercial banks .

伴随着中国加入WTO及经济全球化的进程，以及巴塞尔协议的要求，中国的商业银行逐步引入信用评级制度。

With China accession WTO and economic globalization process and Basel requirements , China commercial banks gradually introduce credit rating system .

深圳市XX银行企业信用风险评级系统的改进研究

Strategy for Business Credit Risk Assessment at XX Bank of Shenzhen

建设银行CCB分行信用评级方法分析

The Analysis of Internal Ratings-based Approaches of CCB Branch of China Construction Bank

当前，商业银行主要采用信用评级的方法来评价客户。

Today , commercial banks use Credit Rating to evaluate customer .

商业银行信用风险内部评级法研究

Study on Internal Rating of Credit Risks of Business Banks

发展和完善国有商业银行的内部信用评级系统

Developing and Perfecting the Internal Credit Rating System of State-owned Commercial Banks

商业银行客户内部信用评级研究

Study on Commercial Bank Customers Interior Credit Rating

一些德国银行本周信用评级被下调就预示着这种情况的发生。

The downgrading of some of its banks this week was a portent of that .

《新巴塞尔资本协议》与我国商业银行信用风险内部评级制度的国际接轨

Basel ⅱ Framework and System Internationalizing of Internal Gradation on Credit Risk for Chinese Commercial Banks