A Comparative Analysis of the Credit Rating System Between China and the United States
- 10.2991/assehr.k.211209.374How to use a DOI?
- Chinese American Commercial Bank; Credit Rating; The Rating Method
China’s bank credit rating system, as one of the main aspects of bank control, has not yet met the international requirements for accurate measurement and effective management of credit risk, and is in urgent need of reform and improvement. Based on the relevant theories of bank credit rating, this paper makes a comparative analysis of the credit rating systems of Chinese and American banks, and then discusses the reasons for the differences between Chinese and American banks according to the policy and legal environment and other external factors affecting the rating system. Finally, aiming at the existence of our country bank credit rating system in the management ideas and technology are located, such problems as imperfect credit system building, this paper puts forward the only clear the credit rating industry in a new financial market environment standard of work, promote the orderly development of the industry to perfect our country bank credit rating system.
- © 2021 The Authors. Published by Atlantis Press International B.V.
- Open Access
- This is an open access article under the CC BY-NC license.
Cite this article
TY - CONF AU - Xinrui Li PY - 2021 DA - 2021/12/15 TI - A Comparative Analysis of the Credit Rating System Between China and the United States BT - Proceedings of the 2021 3rd International Conference on Economic Management and Cultural Industry (ICEMCI 2021) PB - Atlantis Press SP - 2281 EP - 2284 SN - 2352-5428 UR - https://doi.org/10.2991/assehr.k.211209.374 DO - 10.2991/assehr.k.211209.374 ID - Li2021 ER -