Through the compare of risk degree of commercial bank branch rated by banking supervision authorities of matured market economy countries,this article search after initially the risk rating system of commercial bank branch of our country from the two subjects of "risk"and "internal control".

According to the analysis & summing-up of the RBI technology of America API, bring forward a software model of qualitative evaluating algorithm in equipments risk grade, which based on Oriented-Object technology & database visual modeling technology.

This paper suggests that the financing breach is derived from the bank credit ration produced by the serious information asymmetry of small and medium-sized enterprises, diversified risk allocation mechanism and financing strategy produced by risk grade inconsistency, and credit risk produced by imperfect contacts.

The capital structure theory assumes that under a series of strict supposition such as the perfect market and information, and consistent risk grade, because debt financing can produce tax revenue benefit, the optimal financing sequence is that: debt financing comes first, and equity financing is the last choice.

Fuzzy comprehensive evaluation of item credit risk rank of commercial bank;

The aim is to analyze the loan risk through a method of data mining,with which the risk rank of loan can be forecasted,so as to help banks when they have to deal with real estate customers.

Conducting HAZOP with the guidance of PHA-Pro will not only make the safety evaluation in-depth, complete, efficient and normative, but also add a risk rank concept to the analysis, on the basis of the traditional HAZOP.