文章从国际较为流行的话题：商业银行信用评级这个主题入手，特别是美国权威评级机构在经历次贷危机之后，这种一言堂的局面开始遭到质疑。我国随着国家实力增强，经济、金融环境越来越得到改善和认可，经济地位日益增强，我国应该研究适应我国具体国情的商业银行信用评级模型。文章首先对信用评级和商业银行信用评级的的定义以及特点进行了简单的介绍，在深入分析国内外商业银行的发展历程的基础上，依据骆驼评级模型（简称CAMEL模型）的研究模型为基础，尝试建立具有中国特色的5A商业银行评级理论，包括对资产的控制能力(Ability of Asset)、对风险的确保度(Assurance of risks)、全程陪同(Accompany)、 SWOT分析(Analysis of SWOT)以及附加项(Addition)。其研究目的在于抛砖引玉，使大家对于商业银行评级的意识、关注与探讨。%This article arises from one of the international popular issues:the credit rating of commercial bank. Especially after the subprime mortgage crisis, the mistake of American authoritative rating agencies made others began to question its rationality and authority. As the strength of our country grows bigger, economic and financial environment is gradually improved and recognized and economic status strengthens day by day. Our country should establish the model of credit rating of commercial banks in China to adapt to the specific conditions of our own country. This article presents the definition, characteristics and further meaning of the credit rating and commercial bank credit rating firstly. After the profound analysis of the development process of domestic and foreign commercial banks, the author tries to establish the 5A commercial bank rating theory with Chinese characteristics, including the ability of controlling assets, ensure the degree of risk, the accompany of the whole course, the analysis of SWOT strategy and the additive items on the basis of the model of CAMEL. The purpose of the paper is to initiate and cause the public to be acquainted with, focus on and probe into Chinese commercial bank rating.
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