数字经济背景下金融信用评级问题与对策研究

Research on Issues Faced by Financial Credit Rating and Corresponding Countermeasures in the Context of the Digital Economy

随着互联网技术的发展,数字经济已成为推动中国经济增长的新引擎。目前,市场经济等同于信用经济,信用评级在经济运行中的作用不容小觑。数字技术为信用评级发展带来机遇的同时,也伴随着一系列挑战。基于学界对信用评级的研究现状,深度剖析数字经济影响信用评级的内在机理,探究数字经济发展背景下信用评级发展面临的问题与挑战,并针对问题与挑战提出相应政策建议,以期为我国信用评级发展提供参考。

With the development of Internet technology,the digital economy has become a new engine driving China’s economic growth.At present,the market economy is equivalent to the credit economy,and the role of credit rating in economic operation cannot be underestimated.While digital technology brings opportunities for the development of credit ratings,it also brings a series of challenges.Based on the current research status of credit ratings in academia,this paper deeply analyzes the inherent mechanisms through which the digital economy influences credit ratings.It explores the issues and challenges faced by credit rating development under the backdrop of digital economic development and proposes corresponding policy recommendations to address these issues and challenges,aiming to provide references for the development of credit ratings in China.