对企业信用等级进行评定是商业银行贷款风险管理的重要方法。但目前的企业信用等级评定工作,存在许多需要改进的问题。一是评定标准和指标体系与现实相背离。对企业信用等级评定的标准要做到统一,要运用系统的观点,确定若干可以综合、全面、具体反映企业经营管理要素、经济要素、财务要素、组织要素的指标,并合理地确 Evaluation of corporate credit rating is an important method of commercial bank loan risk management. However, there are many problems that need to be improved in the current corporate credit rating. First, the assessment criteria and indicators of the system deviate from reality. To standardize corporate credit rating to achieve unity, we must use the system point of view, to determine a number of comprehensive, comprehensive and concrete reflection of business management elements, economic elements, financial elements, organizational elements of indicators and reasonable indeed