国际小额信贷评级机构的经验及对我国的启示

Experiences of International Micro-finance Rating Agencies and Implications to China

近年来,国际小额信贷机构评级业务迅速发展,并在评级市场中占据重要地位。2012年发布的《评级指南》第一次详细阐述了小额信贷机构评级指标、步骤和主要特点,对推动我国小贷公司评级和构建统一评级指标体系具有重要意义。借鉴国际小额信贷评级经验,我国可采取设立中国小额信贷评级基金,加快推出《小额信贷评级指标体系指引》,完善小额公司评级报告发布程序,出台支持评级结果运用的相关政策等措施,促进小额贷款公司的健康发展。

In recent years, rapid development has been gained in the rating business of international microfinancerating agencies that has an important occupation in the rating market. ＂Rating Guidance＂ promulgated in the year of2012 for the first time elaborated MFI rating index, steps and main features, which is of important significance forpromoting small loan companies rating business in China and for building a unified rating evaluation system. By tak-ing international experiences of micro-finance rating for reference, China can establish Chinese microfinanee ratingfund, accelerate the introduction of ＂micro-credit rating system guidelines＂, improve small company rating reportpublication procedures, introduce relevant policies supporting the exploitation of the rating results, so as to promotethe healthy development of small loan companies.