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

Bank credit rating generally includes three steps:

1, to evaluate the independent financial strength and external operating environment of the bank and determine its individual rating;

2. Determine the support rating;

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

1. Bank loan refers to an economic behavior that banks lend funds to people who need funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information 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, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

2. The so-called credit refers to the degree of performance and trustworthiness reflected from social reputation, economic situation and commodity trading performance. The purpose of credit evaluation of buyers and sellers is to know the seller deeply through the investigation of the seller's social behavior, economic strength and compliance with 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 by investigating their social behavior, economic strength and contract compliance, so as to provide a basis for determining customer relationships and making choices. Therefore, credit evaluation is a very important job 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 life.