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间接融资在我国企业融资中占绝对优势,而来自经济、社会、文化方面的各类因素不断诱发着诸多形态的银行信贷资金风险,而作为当前商业银行控制信贷风险手段之一的内部评级具有一定的局限性,需要外部评级为商业银行信贷风险监管助力。文章通过对我国借款企业信用评级的内涵、种类及内外部评级优势比较的分析,简述外部评级在信贷风险防范中的作用,并提出建立“内外结合”的信用评级体系,有效防范银行信用风险的建议。
Indirect financing in China’s corporate finance accounted for the absolute advantage, and from the economic, social and cultural factors continue to induce a variety of forms of bank credit risk, and as the current commercial bank credit risk control instruments, one of the internal rating has a certain The limitations of external ratings require the supervision of credit risk of commercial banks. By analyzing the connotation and types of credit rating of China’s borrowing enterprises and comparative advantages between internal and external rating agencies, the article briefly describes the role of external rating in credit risk prevention and proposes setting up a credit rating system combining internal and external credit to effectively prevent banks Credit risk advice.