信用评级机构监管问题研究

Study on Regulation of Credit Rating Agencies

此次金融危机中信用评级机构的拙劣表现表明,仅靠信用评级业的行业自律是不够的,信用评级机构应当被纳入金融监管的范畴。目前,我国信用评级机构所承载的社会功能尚未得到充分发挥,我国信用评级机构监管体系仍然存在诸多问题。借鉴发达国家的经验与教训,我国应建立健全信用评级法律法规体系,尽快明确信用评级的监管组织体系,制定信用评级行业的准入和退出机制,严格规范信用评级机构的执业行为,完善信用评级的认可机制,加强行业自律,进一步加强对信用评级机构的监管。

The terrible performance of credit rating agencies during the financial crisis shows that self-discipline for the credit rating industry is not enough,and credit rating agencies should be included in the scope of financial regulation.At present,credit rating agencies have not yet hosted social functions into full play.There are still many problems in regulatory system for credit rating agencies in China.Taking the experiences and lessons of developed countries as reference,it＇s necessary for China to establish perfect legal system of credit rating,to specify a clear regulatory organization system for credit rating as soon as possible,to develop the access and exit mechanisms for the credit rating industry,to regulate strictly the practices of credit rating agencies,to improve credit rating endorsement mechanism,to strengthen self-discipline,so as to further enhance the regulation of credit rating agencies.