Joint rating mainly analyzes the credit level of commercial banks from the aspects of business environment, individual financial strength and external support, and judges the credit risk of debtors, and then gives the grade analysis of judging the credit risk of debtors, and finally gives the credit rating. Among them, personal financial strength mainly includes business operation, management and strategy, risk management and financial debt credit rating, in which personal financial strength mainly starts from business operation, management and strategy, risk management and financial strength, and external support analysis mainly includes bank status, shareholder background and government support. The analysis of external support mainly includes bank status, shareholder background and government support.