the abcd-level evaluation of personal loans in banks is based on credibility. Bank credit rating is an evaluation of a bank's overall financial ability to pay its financial debts. It is of great significance for depositors and investors to evaluate risk returns, optimize investment structure and avoid investment risks, broaden financing channels for commercial banks, stabilize capital sources and reduce financing costs, improve supervision efficiency for regulatory authorities, weaken information asymmetry in financial markets and reduce the volatility of market operation.

The credit rating of a bank generally includes three steps:

1. The individual rating of a bank is determined by evaluating its independent financial strength and external business environment;

2, determine a support rating;

3. Combining the two different factors, individual rating and support rating, the bank's credit rating is obtained after discussion at the expert meeting.

1. Bank loan refers to an economic behavior in which banks lend funds to those in need of funds at a certain interest rate according to national policies and return them within an agreed period. Generally, guarantee, house mortgage, proof of income and good personal credit information are required before you can apply. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in Britain mostly take the form of bill discount, credit accounts and overdraft accounts.

2. The so-called credit refers to the degree of compliance and trustworthiness in buying and selling reflected from social reputation, economic situation and performance of commodity trading. The purpose of the credit evaluation between the buyer and the seller is to get to know the seller deeply through the investigation of the seller's social behavior, economic strength and abiding by the contract, so as to provide the basis for determining the customer relationship and make a choice. A person's social credibility is directly related to the integrity of the transactions he is engaged in. The purpose of credit evaluation of card issuers is to get a deeper understanding of cardholders through the investigation of their social behavior, economic strength and contract observance, so as to provide a basis for determining customer relationship and make a choice. Therefore, credit evaluation is a very important task for card issuers. A person's social credibility is directly related to his application and use of credit cards. Western developed countries have now formed a good concept of credit, and people cherish credit as much as life.