The paper try to build a credit rating evaluation index system,through the United States camel the rating system,combined with China's commercial banks of the status and characteristics of commercial banks.And use factor analysis to conducte on the empirical analysis of credit ratings,analysis showed that state-owned commercial banks,joint-stock commercial banks and city commercial banks of the comprehensive credit ratings were lowered,but the evaluation system of commercial banks have very different points of the index,Pros and cons of each.Although state-owned commercial banks operating in a higher level,but the joint-stock commercial banks,and other indicators of social image is far higher than the state-owned commercial banks,at the same time,city commercial banks on risk prevention and to maintain capital adequacy,compared to other Class of commercial banks,it has certain advantages.