交易成本视角下山东省信贷评级市场发展路径研究

Research on Shandong Credit Rating Market Development from Perspective of Transaction Cost

本文在总结目前山东省信贷市场信用评级三种运作模式(自营模式、外部市场模式、混合模式)特点的基础上,运用交易成本理论的基本范畴和框架,对商业银行信用评级产品"自制"与"外购"的成本进行比较,同时引入了外部监管制度安排因素,综合分析了"自制"与"外购"模式的适用条件,论证了金融机构与信用评级机构的合作边界,提出了信贷评级市场"分类推进"的发展思路。

Based on characteristics of three credit rating operation modes（self-operation mode,external market mode,and mixed mode）in the current Shandong credit market,this article compares the costs of commercial bank＇s＂self-made＂ credit rating products to＂outsourcing＂credit rating products,using of transaction cost theory.While introducing external supervision system arrangements,the paper analyzes comprehensively adaptive conditions of＂self-made＂mode and＂outsourcing＂mode,demonstrates the cooperation border of financial institutions and credit rating institutions from both normative and empirical aspects based on the＂Laiwu Commercial Bank Mode＂practice,and puts forward creatively the development path of credit rating market＂category promoting＂.