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Feasibility Study of Credit Risk Rating Systems in Banks

Credit risk rating is an important tool used by banks to quantify risk associated with lending. Accuracy of the rating mechanism is an important aspect as it affects the nature and quality of credit decisions made. A wrong rating may affect not only the sustainability and goodwill of the banks; it can even affect the overall economic harmony and balance, as banks are barometers of the economy. Recent global economic crisis of 2008, itself showcases a need for very strict and accurate credit policy. Under this back drop, present study aims to analyze the credit risk rating mechanism of banks. A comparative study of the different risk rating models adopted by public and private banks in Thiruvananthapuram district (Kerala, India) is made and study attempts to determine the lacuna in the present risk rating model, if any. The study aims to provide suggestions to improve the credit risk management of banks.