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当前,我国信贷市场信用评级发展势头良好,信用服务需求日益旺盛,但在发展中还存在信用评级法律法规相对滞后、信用环境有待改善、信用评级机构市场化和公信力不足、金融机构应用评级结果积极性不高等问题,需要从完善法规制度、加快社会信用体系建设、扶持评级机构发展、丰富评级监管手段、加强违约率系统考核、引导中小金融机构应用等方面进一步培育和规范。
At present, the credit rating of China’s credit market has enjoyed a good momentum of development and the demand for credit services has been booming. However, there are still some laws and regulations on credit rating that are lagging behind in development, the credit environment needs to be improved, the marketability and credibility of credit rating agencies are not enough, Not higher, we need to further nurture and standardize laws and regulations, speed up the construction of social credit system, support the development of rating agencies, enrich the regulatory measures for rating, strengthen system of default rate assessment, and guide the application of small and medium-sized financial institutions.