This statement is generally applicable to the credit rating of financial institutions with commercial banks as the main body, which is different from the above-mentioned institutions' own financial strength rating (mainly because the asset benchmark range is different, whether it is all assets including loans or their own capital level, etc.). The users of credit rating are generally investors, regulators and other individuals who are concerned about the credit level of the rating object. The requirements of regulatory authorities for rating reports should be regarded as special provisions. In many cities in China, the rating of loan enterprises is dominated by the People's Bank of China, and linked to the annual review of loan cards.