本文選題：信用評級　切入點：評級體系　出處：《哈爾濱工業(yè)大學》2012年碩士論文　論文類型：學位論文

【摘要】：信用評級首先要具備明確的評級目標，信用評級機構參照評級目標對債務人進行信用評級，看其是否具備按時償還債務的能力信用評級就如一盞指示燈，指明信用風險是否存在，彌補融資單位與投資者之間的信息缺失，拓展資金融通渠道，從而使債券市場越發(fā)活躍和成熟，提升資本市場的利用效率所以在資本市場中，信用評級必不可少，尤其是在經(jīng)濟發(fā)達國家 在中國，隨著資本市場的深入發(fā)展，尤其是債券市場的崛起，信用評級越來越被重視，其市場利用率將越來越高然而因為信用評級業(yè)在我國興起比較晚，發(fā)展速度還比較落后美國歷經(jīng)上百年的發(fā)展，儼然成為全球信用的代言人，其所建立的信用評級體系可謂是評級理論和評級實踐的鼻祖充分吸取美國信用評級體系的先進經(jīng)驗為中國所用，以加速中國信用評級業(yè)的發(fā)展和進步具有信用評級業(yè)最發(fā)達的信用評級公司，穆迪標準普爾和惠譽，在經(jīng)過安然事件和亞洲金融危機后，遭受了批判和譴責并對它們的信用度提出了質疑，同時在業(yè)內(nèi)掀起了重新研究信用評級及信用評級機構的熱潮從而加深了人們對信用評級的關注度，健全完善的信用評級體系建設指日可待 在全世界范圍內(nèi)美國的信用最發(fā)達，其信用風險評級體系可謂是信用評級業(yè)的最前沿，無論是其評級理念還是評級方法都值得中國學習在分析研究中國信用評級體系建設的同時找出其所面臨的問題，在此基礎上，指出信用評級體系建設應從其基礎環(huán)節(jié)切入，然后借鑒美國先進管理經(jīng)驗，并重新設計信用風險評級管理控制的導向系統(tǒng)，從而建設具有中國民族特征的信用風險評級體系
[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.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.1;F837.12

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