危机下的反思:失信的信用评级及其制度完善

A reflection on the crisis: untrustworthy credit rating and the improvement for this system

次债危机的爆发再次引起人们对国际信用评级机构的强烈质疑,信用评级的失信问题在国际上绝非偶然现象。国际信用评级屡屡失信,主要根源于信用评级业的寡头垄断状态、信用评级收费模式不合理、信用评级中的利益冲突以及评级失信的法律责任缺失。要保证信用评级的客观、公正,必须完善信用评级准入制度、信用评级收费制度、信用评级利益冲突规避制度和信用评级的法律责任。

The outbreak of subprime mortgage financial crisis makes many experts to intensely question the international credit rating agencies. The regular mistakes in credit rating resulted from the monopoly state of this profession, the unreasonable charge, the conflicts of interest and the absence of legal responsibility in credit rating. In order to maintain an objective and impartial credit rating system, we have to effectuate a series of rules and regulations, such as the admittance of credit rating, the charge patterns of credit rating, the avoidance of interest conflicts, and legal responsibility.