银行信贷登记咨询制度是以《中华人民共和国中国人民银行法》、《银行信贷登记咨询管理办法(试行)》等有关法律和规定为依据,对企事业单位等借款人资信情况进行登记咨询的工作制度。目前银行信贷登记咨询系统已在全国301个城市建立,其系统建设取得了重大进展。依据有关法规要求及实施规定,与之相配套的企业信用评级工作,亦成为整个银行信贷登记咨询制度的重要环节和组成部份。要弄清企业信用评级在实施信贷登记咨询制度中的必要性,就需要从以下几个方面进行研究。一、企业信用评级的内容、方法和程序(一)企业信用评级的主要内容企业信用评级,是指资信评估机构, Bank credit registration and consultation system is based on the “People’s Bank of China People’s Bank of China Law”, “Bank Credit Registration Advisory Management (Trial)” and other relevant laws and regulations as the basis for enterprises and institutions and other borrower credit information registration consulting work system. At present, the bank credit registration and consultation system has been established in 301 cities throughout the country and significant progress has been made in its system construction. In accordance with the relevant laws and regulations and implementation requirements, the matching corporate credit rating work has also become an important link and an integral part of the entire bank credit registration consultation system. To understand the need for credit rating in the credit registration system, we need to study from the following aspects. First, the contents of the corporate credit rating, methods and procedures (A) the main content of corporate credit rating Enterprise credit rating refers to the credit rating agencies,