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随着社会经济的发展、信息需求的增强,资信评级作为解决信息不对称的机制安排必将发挥越来越大的作用。本文通过研究金融创新特别是资产证券化与资信评级行业发展的密切关系,提出目前在我国资产证券化初步发展背景下评级行业发展的新思路,即为集群化中小企业债的证券化过程引入资信评级机制。希望通过这一思路,拓展我国资信评级业务范围,提高评级技术,增强市场主体信用评级意识,改善金融生态环境,最终实现本土资信评级行业整体竞争力的提升和金融创新的不断发展。
With the socio-economic development and the enhancement of information needs, credit rating will play an increasingly important role as a mechanism to solve the asymmetric information. By studying the close relationship between financial innovation, especially the development of asset securitization and credit rating industry, this paper puts forward a new idea of rating industry development in the initial development of asset securitization in our country, which is to introduce credit into the securitization process of clustered SME bonds Rating mechanism. Hope that through this train of thought, we can expand the scope of China’s credit rating business, improve the rating technology, enhance the credit rating awareness of the market players and improve the financial environment. Ultimately, the overall competitiveness of local credit rating industry will improve and the financial innovation will continue to develop.