Credit rating refers to the classification of enterprise credit by credit (credit) evaluation institutions according to the results of enterprise credit evaluation, which reflects the credit level of enterprises.
In western countries, corporate credit ratings are divided into AAA, AA and A, while others are divided into 3A, 3B and 3C to guide investors' behavior. The credit evaluation and rating of Chinese enterprises began in the 1980s. General enterprises are only divided into three grades. Some places use foreign representatives, namely AAA, AA and A, and some places use representatives from China, which are called first-,second-and third-class enterprises. With different credit ratings, the difficulty and conditions for enterprises to raise funds and obtain bank loans in the market are very different.
Second, what is a credit loan, and how is the personal credit rating divided?
Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Personal credit rating is based on natural conditions (basic personal conditions such as marital status and education level), occupational and business conditions, and family conditions (household income and expenditure, household debt ratio, etc.). ), educational conditions, assets and so on.
Characteristics of credit loans
The debtor does not need to provide collateral or third-party guarantee, but can obtain the loan only by relying on its own credit, with the borrower's credit degree as the repayment guarantee.
Credit loan requirements
Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. It is mainly applicable to enterprises (institutions), legal persons, other economic organizations and individual industrial and commercial households that have been approved and registered by the administrative department for industry and commerce and meet the requirements of the General Principles of Loans and banking regulations.
Classification of personal credit rating of banks
Integrity: AAA, AA, A.
Reliability: BBB, BB, B.
Credit warning: CCC, CC, C.
Third, how is the personal credit rating divided when lending?
Personal credit rating is divided like this.
Customer credit rating is divided into seven grades: aaa, aa, A, bbb, bb, B and C.
Aaa level: customers have high income level, strong willingness to pay debts, high social status and excellent family environment.
Aa level: customers have high income level, strong willingness to pay debts, high social status and superior family environment.
Grade A: customers have high income level, strong willingness to pay debts, high social status and superior family environment.
Bbb: The customer has a moderate income level, a willingness to pay off debts, a certain social status and a good family environment.
Bb level: The customer's income level is average, he has a certain willingness to pay off debts, his social status is average, and his family environment is average.
Grade B: The customer's income level is low, the willingness to pay debts is not strong, the social status is low, and the family environment is poor.
Class C: The customer's income level is very low, the willingness to pay debts is very poor, the social status is very low, and the family environment is very poor.
The above information comes from Chongqing Yuxin Guarantee Co., Ltd., which can handle all kinds of personal credit loans quickly, without mortgage and guarantee, and charge after the loan is successful.
Four, personal credit loans mainly according to personal credit records and () to determine the loan amount and loan period.
Personal credit loan without any guarantee. Personal credit loan mainly depends on the borrower's personal credit status to determine the loan amount. The higher the credit rating, the greater the credit limit, and vice versa. So choose C.