What are the credit ratings of one or eight banks?

1. AAA-A grade, with credit ratings of "excellent, excellent and good" respectively, with good customer credit, stable overall business development, good operating and financial conditions, reasonable capital and liability structure, sufficient cash flow during operation and strong solvency. BBB-B grade, the credit rating is "good, fair and average" respectively, the customer's credit is good, the cash flow and assets and liabilities can guarantee the debt repayment, and the credit granting has certain risks. CCC-C grade, the credit rating is "poor, poor and very poor" respectively, the customer's credit is poor, the overall operating status and financial status are poor, and the credit risk is high. Measures should be taken to improve the debtor's solvency and willingness to pay debts to ensure the safety of bank funds. Grade d, the credit rating is "extremely poor": it mainly shows that the customer's credit is very poor and the credit risk is extremely high

2. It is evaluated from five aspects: solvency, profitability, operation and management, performance, development ability and potential, and it is regularly evaluated and adjusted in time. At present, the credit rating methods and standards of China Bank belong to the credit tools mastered by the bank, which are not announced to the public and only serve the internal management of the bank.

3. Because of different standards and methods, different banks take different measures to evaluate the credit rating of loan customers, and the credit rating charges are also different.

2. What is the credit card rating of CITIC Bank?

The card grades of CITIC Credit Card include ordinary card, gold card, platinum card, titanium card and world card

1. Puka is the credit card with the lowest credit rating of CITIC Bank. The credit limit of a credit card is between and 1, yuan, generally not higher than 1, yuan.

2. The credit limit of gold card is slightly higher than that of ordinary card. Under normal circumstances, CITIC Bank will issue gold cards as appropriate if the applicant holds ordinary cards and has a good record of using them. The credit line is generally between 1-5 yuan.

3. Platinum Card is a high-level credit card issued by China CITIC Bank. The number of batch cards is usually between 1, and 1 million.

4. Special products such as CITIC Bank are mainly aimed at high-end users. They can enjoy the supreme services and rights provided by banks, and the amount is usually higher than that of platinum cards.

1) CITIC Gold Platinum Card, that is, Platinum Card. Although the level of this card does not have a revolutionary and powerful letter to enjoy high-end services such as VIP rooms at global airports and exclusive hospitality at luxury hotels, the benefits of UnionPay Platinum Card are few. It's just that the annual fee is quite expensive, 68 yuan/year. Fortunately, there is no annual fee.

2) As the platinum card level of CITIC Bank. Only customers invited by SMS can handle it. In addition to meeting the basic card application conditions, the following conditions should also be met: other credit cards have been used for more than one year, and the credit is good, with a line of more than 1,, preferably CITIC card; There is no other card handling record within half a year; The best job deposit certificate, real estate license and vehicle certificate.

3) Ordinary cards and gold cards are usually exempted from the annual fee for the next year for six times, and the annual fee for the next year is exempted for swiping 2, yuan. Even if it is necessary to pay, it is generally between 1 and 3, which is not too high. The annual fee of Platinum Card is generally around 6-1 yuan, because the annual fee of Bipu Card and Gold Card is too high for ordinary people to afford. Take it for example, the annual fee is as high as 2, per year, which is inevitable.

III. Credit rating of banks

According to the Measures for Customer Credit Rating of Banks in China, it is evaluated from five aspects: solvency, profitability, operation and management, performance, development ability and potential, and it is evaluated regularly and adjusted in time. At present, the credit rating methods and standards of China Bank belong to the credit tools mastered by banks, which are not published to the public, and only serve the internal management of banks. The customer credit ratings of China Bank are divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D, with ten credit ratings.

AAA-A grade, with credit ratings of "excellent, excellent and good" respectively, with good customer credit, stable overall business development, good operating and financial conditions, reasonable capital and liability structure, sufficient cash flow during operation and strong solvency.

BBB-B, with "good, fair and average" credit ratings, the customer's credit is good, the cash flow and assets and liabilities can guarantee the debt repayment, and the credit granting has certain risks.

CCC-C grade, with "poor, poor, very poor" credit ratings, poor customer credit, poor overall operating and financial conditions, and high credit risk. Measures should be taken to improve the debtor's solvency and willingness to pay debts to ensure the safety of bank funds.

grade d, with "extremely poor" credit rating: it mainly shows that the customer credit is very poor and the credit risk is extremely high.

IV. Bank credit rating

Bank credit is divided into 9 grades, as follows: AAA grade: the ability to repay debts is extremely strong, basically unaffected by adverse economic environment, and the risk of default is extremely low. AA level: strong ability to repay debts, little influence by adverse economic environment, and low risk of default. Grade A: Strong ability to repay debts, easy to be affected by unfavorable economic environment, and low risk of default. BBB level: average debt repayment ability, greatly affected by unfavorable economic environment, and average default risk. BB grade: weak debt repayment ability, greatly affected by unfavorable economic environment, and high default risk. Grade B: The ability to repay debts depends largely on a good economic environment, and the risk of default is high. CCC level: The ability to repay debts is extremely dependent on a good economic environment, and the risk of default is extremely high. CC level: in case of bankruptcy or reorganization, it can get less protection and basically can't guarantee debt repayment. Class c: unable to repay debts. Bank credit rating analysis objectives (1) business environment. The business environment mainly includes: analyzing a country's overall economic and financial situation (which can be reflected from the debt rating and the upper limit of debt and deposit rating), the role played by the country's banks in the country's economic and financial circles, the quality of the regulatory authorities, the change of future regulatory trends and the relationship between banks and regulatory authorities, the possibility of banks getting support from central or local government departments, and the impact of corporate bankruptcy on the integrity of the financial system. (2) Ownership and management rights. With different ownership, the bank's operation mode and management mode are different, and the degree of government intervention and support is also different. Therefore, we should fully consider the ownership factor when rating banks. (3) management level. The first is to analyze whether the management has set a clear strategic goal, that is, whether it can find out the best investment portfolio that can effectively and continuously achieve risk and return; Whether it can develop along this optimal risk-return portfolio curve. Secondly, it analyzes the management's ability, experience, intuition, risk-taking consciousness, the reliability and precision of the trading system, and the internal atmosphere of the bank. (4) Operating value. The analysis of the operational value of banks mainly starts from two aspects. One is the operational value of the banking system. It mainly analyzes the degree of protection, business site and market access of banks; The second is the operational value of the bank itself. This is mainly to analyze the bank's operating efficiency (such as electronic level, commodity types and the number of bankers, etc.), the bank's strength (asset scale and market share), the management's knowledge level, business strategy, objectives and consistency, and the development potential of various businesses. (5) profitability. Profitability is a measure of the ability of banks to create value and improve risk protection by increasing income. Quantitative and qualitative methods are used to analyze the profitability of banks. The quantitative analysis mainly adopts the following indicators: average profitable asset yield, interest growth rate, net interest change rate, ratio of bad debt reserve to pre-tax profit, ratio of pre-tax profit to weighted risk assets, ratio of cost to income, dividend payment growth rate, ratio of operating expenses to average assets, etc. Qualitative analysis is based on quantitative analysis, which mainly analyzes the source and trend of income, wages and other management expenses, credit situation, abnormal changes in profits and losses, growth of net interest income, changes in net interest margin and other business profits. (6) Risk degree and risk management. Risk is an organic part of banking business, and the degree of risk is the most important content to measure the soundness of a bank. In the analysis of bank risks, quantitative and qualitative methods are adopted. Quantitative analysis adopts the following quantitative indicators: the ratio of sluggish loans to total loans, and the ratio of reserves to sluggish loans. The ratio of (capital reserve) to sluggish loans, the ratio of loan deposits, the ratio of liquid assets to total assets (ten long-term deposits of capital) to long-term assets, the ratio of stable sources of funds to total loans, etc. Qualitative analysis mainly analyzes the present and future asset structure and quality of banks, and analyzes the quality and liquidity of credit risk management. (7) Economic capital. When analyzing the bank's capital status, it mainly focuses on the bank's legal capital level, economic capital level, the correlation between economic capital and overall risk, the bank's profitability and the ability to issue new shares. Internal capital distribution, etc. When analyzing the capital adequacy, the following quantitative indicators are mainly adopted: tier-one capital ratio, weighted risk capital adequacy ratio (BIS), ratio of shareholders' equity to total assets, ratio of equity to shareholders' equity, and capital production rate.