试论外部评级与内部评级的协同发展

On the Joint Development of External and Internal Ratings

外部评级和内部评级协同发展可以实现优势互补,加强信用风险管理。虽然我国内外部评级体系已经初步建立,但由于缺乏科学的协同发展机制,二者并没有实现有效的结合。为充分利用现有资源,发挥各自优势,我们应创造良好的法律和市场环境,加强监管部门之间的协作,建立信用数据共享机制和评级结果校验互补机制,通过银行与外部评级机构的密切合作,共同促进外部评级与内部评级的协同发展。

The joint development of external and internal ratings can complement each other and strengthen credit risk management.Although the external and internal ratings system in China has essentially taken into shape,owning to the lack of scientific joint development mechanism,these two ratings have not achieved an effective combination.For taking full advantage of the existing resources and exerting the respective advantages into full play,it＇s necessary to create a good legal and market environment,to strengthen collaboration between the regulatory authorities,to establish a credit data sharing mechanism and the checking and complementing mechanism for the rating results,and to promote the joint development of the external and internal ratings by close cooperation between banks and external rating agencies.