There are only three levels of customer risk, including low-risk customers, medium-risk customers and high-risk customers.
1, "high" risk level: customers with high risk level generally have loans overdue records, or there are suspicious transactions in their accounts, and there are irregularities in bank registration.
2. "Medium" risk level: All customers except high and low risk levels belong to this level.
Financial risk level:
1, the risk is extremely low: the bank will provide investors with the guarantee of financial principal, and investors can basically achieve their expected investment goals;
2. Low risk: banks will not provide investors with the guarantee of financial principal, but investors can basically achieve the expected investment goals;
3. Medium risk: banks will not provide investors with the guarantee of financial principal, and investors' expected goals may not be realized;
4. Medium and high risk: the bank will not provide investors with the guarantee of financial management principal, and investors may lose the principal;
5. High risk: banks will not provide investors with the guarantee of financial management principal, and investors are likely to lose the principal.
Credit rating is divided into enterprise credit rating, securities credit rating, national sovereign credit rating and other credit ratings.
1, enterprise credit rating. Including the credit ratings of companies and enterprise groups such as industry and commerce, foreign trade, transportation, construction, real estate and tourism, as well as the credit ratings of financial institutions such as commercial banks, insurance companies, trust and investment companies and securities companies.
2. Securities credit rating. Including long-term bonds, short-term financing bonds, preferred stocks, funds, commercial paper and other credit ratings.
3. National sovereign credit rating. The internationally popular sovereign rating reflects a country's willingness and ability to repay its debts. The content of sovereign rating is very extensive. The factors that affect a country's GDP growth trend include foreign trade, balance of payments, foreign exchange reserves, total and structure of foreign debt, fiscal revenue and expenditure, and policy implementation. The sovereign rating should also include factors that affect the country's ability to repay debts. In addition, it is necessary to analyze and classify the financial burden brought about by the reform of the financial system, state-owned enterprises and social security system.
4. Other credit ratings, such as project credit ratings, refer to the credit ratings of specific projects.