Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the requirements of the General Principles of Loans and banking regulations.

Taking China Construction Bank's credit evaluation method for personal consumption loan customers as an example, personal credit rating is divided in this way.

Customer credit rating is divided into seven grades: AAA, AA, A, BBB, BB, B and C.

AAA level: customers have high income level, strong willingness to pay debts, high social status and excellent family environment.

AA level: customers have high income level, strong willingness to pay debts, high social status and superior family environment.

Grade A: customers have high income level, strong willingness to pay debts, high social status and superior family environment.

BBB: The customer has a moderate income level, a willingness to pay off debts, a certain social status and a good family environment.

BB level: The customer's income level is average, he has a certain willingness to pay off debts, his social status is average, and his family environment is average.

Grade B: The customer's income level is low, the willingness to pay debts is not strong, the social status is low, and the family environment is poor.

Class C: The customer's income level is very low, the willingness to pay debts is very poor, the social status is very low, and the family environment is very poor.

The above information comes from Chongqing Yuxin Guarantee Co., Ltd., which can handle all kinds of personal credit loans quickly, without mortgage and guarantee, and charge after the loan is successful.

Second, the bank credit rating.

According to the Measures for Customer Credit Rating of Bank of 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 Bank of China belong to the credit instruments mastered by the bank, which are not made public and only serve the internal management of the bank. The customer credit rating of China Bank is divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D, with a total of 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 financial status, reasonable capital-liability structure, sufficient cash flow during operation and strong solvency. BBB-B, the credit ratings are "good, average and average" respectively, the customer's credit is good, the cash flow and assets and liabilities can guarantee the repayment of debts, and there are certain risks in credit granting. CCC-C grade, with credit ratings of "poor, poor and very poor" respectively, with 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 and ensure the safety of bank funds. Grade D, the credit rating is "extremely poor": the main performance is that the customer's credit is very poor and the credit risk is extremely high.

Third, what is the bank credit rating?

According to the Measures for Customer Credit Rating of Bank of 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 Bank of China belong to the credit instruments mastered by the bank, which are not made public and only serve the internal management of the bank.

The credit ratings of China Bank customers are divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D, and there are ten credit ratings.

Credit rating usually refers to the index level based on the credit, quality, solvency and capital of the assessed object, that is, the possibility that rating agencies use established symbols to identify the future solvency and willingness of the subject and bonds. On July 20 10/day, Dagong International Credit Rating Co., Ltd., a domestic independent rating agency, released the first batch of credit ratings of 50 typical countries. This is the first time that China and the world's first non-western rating agency have released national credit risk information to the world.

You can check your personal credit rating in bank-Sina.com.

4. How do banks evaluate personal credit rating?

According to the Measures for Customer Credit Rating of Bank of China, this paper evaluates the solvency, profitability, management and performance. Regularly evaluate and timely adjust the credit rating methods and standards, which belong to the credit instruments held by banks and are not released to the public, and only serve the internal management of banks. The credit ratings of Bank of China are "excellent, excellent and good" for customers, A, BBB, BB, B, CCC, CC, C, D and A respectively. Customer credit is very good, the overall business is developing steadily, the operating and financial conditions are good, the capital and liability structure is reasonable, the cash flow is sufficient in the operation process, and the solvency is strong. BBB-B grade, with credit ratings of "good, average and average" respectively. The debt status of customer credit products can provide guarantee for debt repayment, and there are certain risks in credit granting. CCC-C, the credit ratings are "poor, poor and very poor" respectively. The credit rating of customers is poor and the overall credit risk is high. Measures should be taken to improve the debtor's solvency and willingness to pay debts. Credit rating is "extremely poor": if the main credit risk is extremely high, the following information shall be provided: 1, customer organization chart; 2. Credit rating power of attorney; 3. Income statement and cash flow statement; 4. Business license, code certificate and loan company profile after annual inspection; 6, nearly two years of tax returns or effective tax information summary table; 7. A copy of the appraisal value or payment list of the enterprise or the collateral used for loan (pledge) or a valid summary payment voucher (industrial enterprise) 10, and other relevant materials that need to be reported. At present, each bank has its own set of credit rating standards, and generally calculates some financial indicators, including capabilities and development prospects, according to the operating conditions of enterprises. Score according to the standard. Generally, the perfect score is 100, the score of 90- 100 is A9, the score of 70-79 is AA, and so on. The bank's rating is generally only used as its own evaluation standard for loans issued by enterprises, and the rating is not comparable. At present, domestic enterprises with credit cards all carry out credit rating, which is a relatively unified standard with various companies. But banks are basically rated according to their own standards, and the ratings conducted by the People's Bank of China are for reference only. Due to the lack of transparency in China's current business data,