本文選題：信用評(píng)級(jí)　切入點(diǎn)：評(píng)級(jí)體系　出處：《哈爾濱工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：信用評(píng)級(jí)首先要具備明確的評(píng)級(jí)目標(biāo)，信用評(píng)級(jí)機(jī)構(gòu)參照評(píng)級(jí)目標(biāo)對(duì)債務(wù)人進(jìn)行信用評(píng)級(jí)，看其是否具備按時(shí)償還債務(wù)的能力信用評(píng)級(jí)就如一盞指示燈，指明信用風(fēng)險(xiǎn)是否存在，彌補(bǔ)融資單位與投資者之間的信息缺失，拓展資金融通渠道，從而使債券市場(chǎng)越發(fā)活躍和成熟，提升資本市場(chǎng)的利用效率所以在資本市場(chǎng)中，信用評(píng)級(jí)必不可少，尤其是在經(jīng)濟(jì)發(fā)達(dá)國(guó)家 在中國(guó)，隨著資本市場(chǎng)的深入發(fā)展，尤其是債券市場(chǎng)的崛起，信用評(píng)級(jí)越來越被重視，其市場(chǎng)利用率將越來越高然而因?yàn)樾庞迷u(píng)級(jí)業(yè)在我國(guó)興起比較晚，發(fā)展速度還比較落后美國(guó)歷經(jīng)上百年的發(fā)展，儼然成為全球信用的代言人，其所建立的信用評(píng)級(jí)體系可謂是評(píng)級(jí)理論和評(píng)級(jí)實(shí)踐的鼻祖充分吸取美國(guó)信用評(píng)級(jí)體系的先進(jìn)經(jīng)驗(yàn)為中國(guó)所用，以加速中國(guó)信用評(píng)級(jí)業(yè)的發(fā)展和進(jìn)步具有信用評(píng)級(jí)業(yè)最發(fā)達(dá)的信用評(píng)級(jí)公司，穆迪標(biāo)準(zhǔn)普爾和惠譽(yù)，在經(jīng)過安然事件和亞洲金融危機(jī)后，遭受了批判和譴責(zé)并對(duì)它們的信用度提出了質(zhì)疑，同時(shí)在業(yè)內(nèi)掀起了重新研究信用評(píng)級(jí)及信用評(píng)級(jí)機(jī)構(gòu)的熱潮從而加深了人們對(duì)信用評(píng)級(jí)的關(guān)注度，健全完善的信用評(píng)級(jí)體系建設(shè)指日可待 在全世界范圍內(nèi)美國(guó)的信用最發(fā)達(dá)，其信用風(fēng)險(xiǎn)評(píng)級(jí)體系可謂是信用評(píng)級(jí)業(yè)的最前沿，無論是其評(píng)級(jí)理念還是評(píng)級(jí)方法都值得中國(guó)學(xué)習(xí)在分析研究中國(guó)信用評(píng)級(jí)體系建設(shè)的同時(shí)找出其所面臨的問題，在此基礎(chǔ)上，指出信用評(píng)級(jí)體系建設(shè)應(yīng)從其基礎(chǔ)環(huán)節(jié)切入，然后借鑒美國(guó)先進(jìn)管理經(jīng)驗(yàn)，并重新設(shè)計(jì)信用風(fēng)險(xiǎn)評(píng)級(jí)管理控制的導(dǎo)向系統(tǒng)，從而建設(shè)具有中國(guó)民族特征的信用風(fēng)險(xiǎn)評(píng)級(jí)體系
[Abstract]:Credit rating must first have a clear rating target, and credit rating agencies are looking at the debtor's credit rating with reference to the rating target to see if it has the ability to repay its debt on time. It is like an indicator light. Whether the credit risk exists or not, make up for the lack of information between the financing unit and the investor, expand the financing channel, make the bond market more active and mature, improve the utilization efficiency of the capital market, so in the capital market, Credit rating is essential, especially in economically developed countries. In China, with the deep development of capital market, especially the rise of bond market, credit rating is paid more and more attention, and its market utilization ratio will be higher and higher. The development rate of the United States has lagged behind that of the United States for more than a hundred years, and it has become the spokesman for global credit. The credit rating system it has established can be said to be the ancestor of rating theory and practice. It can fully absorb the advanced experience of the United States credit rating system and be used by China. In order to accelerate the development and progress of China's credit rating industry, Moody's Standard & Poor's and Fitch Ratings, the most developed credit rating companies in the credit rating industry, after the Enron incident and the Asian financial crisis, It has been criticized and condemned and questioned their creditworthiness. At the same time, there has been an upsurge in the study of credit ratings and credit rating agencies in the industry, thus increasing the attention paid to credit ratings. A sound credit rating system is within reach. The United States has the most developed credit in the world, and its credit risk rating system is at the forefront of the credit rating industry. Both the concept and method of credit rating are worth learning from China to analyze and study the construction of China's credit rating system and find out the problems it faces. On this basis, it is pointed out that the construction of credit rating system should be started from its basic link. Then draw lessons from the advanced management experience of the United States, and redesign the guidance system of credit risk rating management and control, so as to build a credit risk rating system with Chinese national characteristics.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.1;F837.12

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