国际视角下的银行信用评级比较研究  

A Comparative Study on Bank Credit Rating from an International Perspective

作　　者：高明[1] Gao Ming(Credit Management Bureau of the People’s Bank of China,Beijing 100800,China)

机构地区：[1]中国人民银行征信管理局,北京100800

出　　处：《征信》2020年第1期56-63,共8页Credit Reference

摘　　要：银行是金融机构的主要组成部分,是金融体系的基础。总结介绍银行信用评级的一般模型,对标普、穆迪、惠誉国际评级机构的银行评级方法及特点进行了对比分析和研究,有助于客观认识我国银行评级机构存在的诸多问题和不足,从而促进我国银行信用评级的发展。Banks are the main components of financial institutions and the foundation of the financial system. This paper summarizes and introduces the general model of bank credit rating, and conducts a comparative analysis and research on the bank rating methods and their characteristics of Standard & Poor’s,Moody’s and Fitch rating agencies,which is conducive to the objective understanding of the problems and shortcomings of China’s bank rating agencies,so as to promote the development of China’s bank credit rating.

关 键 词：信用评级 金融机构 银行 金融危机 信用风险 

分 类 号：F832.33[经济管理—金融学]