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In the current financial crisis under the severe situation, strengthen credit risk management has become a domestic commercial Banks to achieve steady development is very important. While bank customer credit rating is the commercial Banks to increase risk management ability important tools and methods. This thesis select commercial bank credit rating this content, its main purpose is to research on the current through the bank to customer credit rating system analysis, found that the problem of the system, then puts forward some opinions and measures for improvement, and commercial bank credit rating system provides a reference. In this paper, using the system theory and practice, the research methods. The first part of the credit ratings are expounded, the definition of customer credit rating system is introduced and its theoretical basis. In the second part of commercial bank introduced customer credit rating system in China to analyze the current situation and the developing situation. The third part summarizes and analyzes our country commercial bank credit rating system existing problems and deficiencies. Finally, in view of the problems and defects found, discusses the perfect internal credit rating system of bank customer problems and insufficiency of the concrete measures and Suggestions.
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