發(fā)布時間：2018-05-15 03:02

  本文選題：微型金融機構 + 評級��； 參考：《天津財經(jīng)大學》2012年碩士論文

【摘要】：近年來,以村鎮(zhèn)銀行為代表的新型農村金融機構以及小額貸款公司等各種微型金融機構(MFIs)活躍于農村市場,對農村經(jīng)濟的繁榮起到了一定的作用。但與此同時,各種問題也凸顯出來。為了引導其更快、更好的發(fā)展,我國開始從各方面尋求外部服務的支持,其中信用評級便是探尋的渠道之一。 國際上有十幾家專業(yè)微型金融評級機構,一些主流評級機構也正在進行微型金融評級業(yè)務探索。目前近三分之二的微型金融評級市場由華盛頓的MicroRate、巴黎的Planet Rating和新德里的M-CRIL三家公司占據(jù),各專業(yè)評級機構也都創(chuàng)立了自己的評級體系。在我國,主流評級剛剛興起,微型金融專業(yè)評級實踐尚處于空白狀態(tài)。 所以,在此背景下,本文首先對MFIs評級的意義進行探討,主要從微型金融行業(yè)的發(fā)展、機構自身發(fā)展、以及投資者和監(jiān)管者的需要四個層面進行分析,闡述了專業(yè)評級的必要性,并提出專業(yè)評級對小額貸款公司轉制村鎮(zhèn)銀行具有現(xiàn)實意義。然后,本文在借鑒國際專業(yè)微型金融評級機構的基礎上,特別結合我國MFIs的自身特點及發(fā)展現(xiàn)狀,試圖探索一套符合我國微型金融發(fā)展現(xiàn)狀的評級體系。最后,結合當前我國主流評級中存在的問題,對專業(yè)評級可能出現(xiàn)的問題進行探討,以避免專業(yè)評級陷入同樣的困境,并提出一定的解決方法。
[Abstract]:In recent years, new rural financial institutions, such as village banks and microfinance companies, have been active in the rural market, which has played a certain role in the prosperity of rural economy. But at the same time, all sorts of problems also stand out. In order to guide its faster and better development, our country began to seek the support of external services from various aspects, among which the credit rating is one of the channels to explore. There are more than a dozen professional microfinancial rating agencies in the world, and some mainstream rating agencies are also exploring microfinance rating business. Nearly 2/3 of the microfinancial rating market is dominated by MicroRate in Washington, Planet Rating in Paris and M-CRIL in New Delhi, and professional rating agencies have created their own rating systems. In our country, the mainstream rating has just arisen, and the practice of microfinance professional rating is still blank. Therefore, in this context, this paper first discusses the significance of MFIs rating, mainly from the development of microfinance industry, the development of institutions, as well as the needs of investors and regulators. This paper expounds the necessity of professional rating, and points out that professional rating is of practical significance to the transformation of small loan companies into village banks. Then, on the basis of drawing lessons from international professional micro-finance rating agencies, especially combining the characteristics and development status of MFIs in our country, this paper tries to explore a set of rating system which accords with the current situation of micro-finance development in China. Finally, combining with the existing problems in the mainstream rating of our country, this paper discusses the possible problems in the professional rating, in order to avoid the professional rating falling into the same predicament, and puts forward some solutions.
【學位授予單位】：天津財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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