数字化评级的理论研究与实践探索  

Digital Credit Rating:Theoretical Research and Practical Exploration

作　　者：范本银 Fan Benyin(Technical Committee,Dagong Global Credit Rating Co.,Ltd.,Beijing 100089,China)

机构地区：[1]大公国际资信评估有限公司技术委员会,北京100089

出　　处：《征信》2025年第3期58-68,共11页Credit Reference

摘　　要：数字化转型是评级行业顺应数字经济发展,贯彻党的二十届三中全会精神,更好服务于我国债券市场发展的必然选择。结合云计算、大数据和人工智能等技术,数字化评级可以更科学识别与评价受评主体风险,提升对实体经济的服务质效。当前针对数字化评级的国际经验有限,国内处于探索阶段,亟待深入研究数字化评级的理论框架、方法模型和预警体系,实现评级机构数字化升级和行业健康发展,更好支撑金融与实体经济融合。通过明确数字化评级的内涵、特点和实施路径,构建可信的理论支撑和可行的方法体系,为推动评级行业数字化转型奠定坚实基础。IDigital transformation is an inevitable choice for the rating industry to adapt to the development of the digital economy and implement the spirit of the Third Plenary Session of the 20th Central Committee of the Communist Party of China,thereby better serving the development of China’s bond market.By integrating technologies such as cloud computing,big data,and artificial intelligence,digital rating can more scientifically identify and evaluate the risks associated with rated entities,enhancing the quality and effectiveness of services to the real economy.Currently,since international experience is limited and domestic efforts are still in the exploratory stage,it is urgent to study the theoretical framework,methodological models,and early warning systems of digital rating.This will facilitate the digital upgrade of rating agencies and the healthy development of the industry,better supporting the integration of finance and the real economy.Digital rating needs to clarify its connotations,characteristics,and implementation pathways to establish a credible theoretical foundation and a feasible methodological system,laying a solid foundation for promoting the digital transformation of the rating industry。

关 键 词：数字化 数字化评级 大数据 人工智能 

分 类 号：F832.4[经济管理—金融学] F275F273.1