That is, the credit rating of bonds: AAA, AA, A, BBB, BB, B, C. Generally, loans will not be granted below BB.
Bank AAA is the highest level of bank credit rating, which proves that this bank has a good long-term credit. The rating reflects the advantages of the Bank's obvious location advantage, good external development environment, adequate provision coverage ratio and sufficient capital.
The credit rating evaluation process is as follows:
1. The rating team will submit the credit rating report and working papers that have passed the three-level review to the internal credit review committee of the credit rating agency.
2. The internal credit review committee shall hold a review meeting. The review meeting will listen to the appraiser's introduction, discuss, question and review the credit rating report and working papers, and put forward opinions on the revision of the credit rating report; The credit evaluation committee determines the credit rating of the rating object according to the credit rating method and rating restrictions.
3, the rating team according to the credit rating and evaluation opinions decided by the credit evaluation committee, modify the credit rating report.
4. The rating results shall be valid only if more than two-thirds of the members of the evaluation committee agree.