At present, banks have their own set of credit rating standards, and generally calculate some financial indicators according to the operating conditions of enterprises, including liquidity, profitability, management ability, development prospects and so on. Score according to the standard. Generally, the perfect score is 100, the score of 90- 100 is AAA, the score of 80-89 is AA, the score of 70-79 is A, and so on. However, the rating of banks is generally only used as their own evaluation standard for loans issued by enterprises, which has no reference significance to the outside world and the ratings between banks are not comparable. At present, the People's Bank of China takes the lead in evaluating the credit rating of enterprises holding loan cards, which is not much different from the ratings of various banks, but has a relatively unified standard. 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. At present, the credit level in China is generally low, and the financial data of enterprises are also lack of transparency, so the rating is of little significance.