Mainly investigate the capital adequacy ratio, that is, the proportion of total capital to total assets. Total capital includes basic capital and long-term subordinated debt. Basic capital includes share capital, surplus, undistributed profit and bad debt reserve.

Asset Quality (asset quality)

Mainly investigate the quantity of risky assets; The expected amount of the loan; Adequacy of bad debt provision; The quality of managers; The concentration of loans and the possibility of problems in loans.

Asset quality rating standard: all loans are divided into four categories according to the degree of risk, namely normal loans; Subprime loan; Suspicious loans and loans that are difficult to recover. Then calculate according to the following formula:

Asset quality ratio = problem loans after weighted calculation /5 basic capital

After the weighted calculation, the asset quality ratio of problem loan = subprime loan ×20%+ problem loan ×50%+ difficult-to-recover loan × 100% is evaluated-assets below 5% are of high quality, with little risk and satisfactory asset quality. 65,438+05%-30% of assets with high management level are not satisfactory, and there are considerable problems. 4.30%-50% of loans have serious punishment problems, which are too centralized and have poor management level. More than 50% of the assets are of poor quality and are likely to close down in the near future. 3. Management level.

This paper mainly investigates some non-quantitative factors such as bank policy, business it planning, managers' experience and level, and staff training. Rating in this respect is more difficult, because there are no quantitative indicators and ratios, and relevant conclusions are generally drawn through other quantitative indicators.

Evaluation standard of management level day: generally, qualitative analysis such as satisfaction or good is the standard. Level evaluation: the management level is very high, the personnel quality is very good, and there are preventive measures. There is no problem in management, but managers can solve it. The whole management situation is satisfactory. The current management level can't solve the problems of infiltrators. Poor management level, managers have no ability to solve problems. Managers are poor in quality and have no ability at all. Top management should be replaced. (4) income.

This paper mainly investigates the net income of banks in recent one or two years. Rating standard of income status: based on the asset return rate of 1%, make corresponding rating.

Return on assets = net income/average assets

From the income rating table, the return on assets is above 1%, around 1%, between 0- 1%, between 0- 1%, and other indicators are weak. The return on assets is negative, resulting in operating losses (liquidity).

Mainly investigate the changes in bank deposits; The bank's dependence on the borrower's funds; The number of current assets that can be realized at any time; Ability to manage and control assets and liabilities; The frequency of borrowing funds and the ability to raise funds quickly. Liquidity rating standard: there is no clear standard. Only by horizontal comparison with banks of the same kind and size can we determine the advantages and disadvantages. Level evaluation: sufficient liquidity and channels to raise funds at any time. Liquidity is relatively sufficient, but slightly lower than the first level. Liquidity is not enough to fully meet the capital needs of banks. There are considerable problems with liquidity. There is no liquidity at all, and there is a danger of bankruptcy at any time.