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Research on Credit Risk Rating System of Bank of China

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DOI: 10.23977/FEIM2020.021


Mengyu Ren, Linghui Zhang

Corresponding Author

Mengyu Ren


With the rapid development of China's economy, the degree of opening up of China's financial market has gradually opened up. The default rate of non-performing loans caused by venture capital has increased year by year, and the problem of backward management of China's credit risk has become increasingly prominent. This article uses a certain behavior example of the Bank of China. By analyzing the current status and existing problems of traditional credit evaluation, a new scientific and effective user credit evaluation system is proposed, and various evaluation indicators are investigated accordingly, and the evaluation system established is analyzed for the continued health of domestic commercial banks development is of reference significance.


Risk rating, credit risk, Bank of China

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