信用評級
credit ratings
指運用統計的方法擬定評等或評分的標準，再將客戶的各項主要信用屬性予以數量化，而按評等或得分的高低判斷客戶信用品質的優劣。銀行可根據此種信用評等的結果作?其對客戶授信的基準，實施差別利率，同時也可加強銀行的管理單位監督授信業務。
Refers to the use of statistical methods to develop a standard rating or scoring, then give the number of customers the major credit property, and according to the level of rating or scoring judge the merits of customer credit quality. Banks according to the results of such a credit rating as a reference to its credit customers, the implementation of differential interest rates, but also to strengthen the management unit of the bank's credit business supervision.