我国央行内部评级体系的特点、作用以及对货币政策操作的影响

Characteristics and Functions of China's Central Bank Internal Rating System and Its Effect on Monetary Policy Operation

介绍我国央行内部评级体系的主要特点和作用,基于全国和江苏数据论述央行内部评级对提升货币政策效应的重要意义。结合操作实际,就进一步完善央行内部评级体系提出加快探索对非企业贷款的评级制度、建立信贷资产抵押品使用差别化制度、适度调整小微和涉农企业的内部评级标准等建议。

This paper system. Based on the introduces the main characteristics and functions of China＇ s central bank intemal rating national and Jiangsu data, it discusses the important significance of the central bank internal ratings for enhancing the effect of monetary policy. In the light of the operation practice, we propose suggestions for further improvement of the internal rating system of the central bank, such as accelerating the exploration of rating system for non-enterprise loans, setting up differentiated system when using credit assets collateral, and appropriately adjusting the internal rating standards of small and micro agriculture-related enterprises.