Customer credit rating is a commonly used risk control evaluation method in commercial banks at present, which runs through the whole process of credit management.

The result of customer credit rating is an important basis and reference for commercial banks' credit business authorization management, customer access and exit management, credit approval decision, credit pricing and credit asset risk classification. It is like a mirror, which can see customers clearly, know what kind of customers can get loans, the size and amount of loans, and know what kind of customers should take the initiative to quit or even avoid. Generally speaking, let the enterprises that borrow money borrow money smoothly and pay a reasonable price; Let enterprises that shouldn't borrow money, even if they are willing to pay a higher price, can't borrow money. In this way, we can not only win business, but also reduce the loan risk.