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C C o n e lu sio n s a re d ra wn a n d th e fu tu re w o rk 15 su g g e ste d in C h ap te r 6 . A e e o rd in g to th e tra its o f th e e o m m e re ia l e u sto m e rs o f th e e o m m e re ia l b a nk s，so m e m eth o d s o n d e sig n in g th e e re d it ratin g sy ste m b a se d o n N e w B a se l C a P ita l A g re em e n t a re P ro P o se d . T h e m a in c o n trib ut io n o f th is P ap e r 15 th at a e re d it ratin g m o d e l o n e o m m ere ia l c u sto m ers o f th e u rb a n c o m m e rc ia l b a nk s 15 P ro P o se d . 6 0 0 e o m m erc ia l c u sto m e rs s e le c te d fro m a u rb an e o m m e re ia b a n k in w e ste n a re a a re u sed to v erify th e P roP osed m o d el.T h e resu lts sh ow th at th e m o d el h as h ig h P ra e tie a l v a lu e s an d 15 v e ry h e lP fu l fo r u rb an e o m m e rc ia l b a nk s w h e n e stab lish th e e re d it ratin g sy ste m o n th e c o m m e re ia l e nt e rp rise s . S in c e th e re se ar c h an d ap P lic atio n o f c re d it ratin g in o u r c o u n try ar e d e v e lo P in g qu ic kl y， fu rth e r stu d ie s o n th e o rie s a n d k e y is su e s a re n e e d e d . 1 th ink th a t th e fo llo w in g w o rk s n e e d to b e stu d ie d . (1) T he first issue 15 h0w to qu antitate the qu alitative index of the c re d it ra tin g m o d e lo (2 ) T h e secon d issu e 15 h ow to set th e P roP ortion of in dex es in th e e re d it ratin g m o d e l. To d ay， th e P ro P o rtio n o f in d e x 15 fix e d m a in ly b y th e e XP e rie n c e . T h e th e o ry o n h o w to se t th e P ro P o rtio n o f in d e x n e e d s to b e e m P h a siz e d . (3) In th e P ro eess o f cred it ratin g ，h ow to m ak in g full u se o f m u ltiP le m o d e ls to g e t b e tte r re su lt 15 w o rth stu d y in g . K e y w o r d s : e r e d it r a tin g ，e o m m e r e ia l tr a d e