对我国信贷市场信用评级发展的思考

Reflection on the Development of Credit Rating for China's Credit Loan Market

当前,我国信贷市场信用评级发展势头良好,信用服务需求日益旺盛,但在发展中还存在信用评级法律法规相对滞后、信用环境有待改善、信用评级机构市场化和公信力不足、金融机构应用评级结果积极性不高等问题,需要从完善法规制度、加快社会信用体系建设、扶持评级机构发展、丰富评级监管手段、加强违约率系统考核、引导中小金融机构应用等方面进一步培育和规范。

At present, the credit rating for China＇ s credit loan market has gained a good momentum of development, and the demand of credit services keeps growing. However, there are still many problems such as rather lagged behind laws and regulations related to credit rating, the credit environment needed to be improved, inadequacy of the credibility and liberalization of the credit rating agencies, low enthusiasm from the financial institutions as for the application of rating result. It＇ s necessary to further foster and normalize those aspects such as perfecting the legal systems, accelerating construction of the social credit system, supporting the development of rating agencies, enriching supervision means for credit rating, strengthening assessment of the default rate system, and guiding the small and medium-sized financial institutions in the application of credit rate result.