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随着信用评级的数量不断增加,业务方位不断拓展,信用在今天对国家、社会、政治、经济、金融市场、资本市场都有很大的影响。但很不幸的是,在世界范围内,信用评级机构受到了越来越多的质疑和责难。1997年亚洲金融危机,美国的安然事件,2008年美国次贷危机和全球金融危机以及随后爆发的目前正在演化的欧洲主权债务危机,都充分暴露了世界现行评级模式的弊端,凸显出在金融新型产品和主权评级领域,确实存在的突出问题。
With the continuous increase of credit rating and continuous expansion of business orientation, credit has a great influence on the state, society, politics, economy, financial market and capital market today. Unfortunately, credit rating agencies are increasingly questioned and censured all over the world. The financial crisis of 1997 in Asia, the Enron Incident in the United States, the subprime mortgage crisis in 2008 in the United States and the global financial crisis in 2008 and the ongoing European sovereign debt crisis that are now evolving have fully exposed the drawbacks of the current rating model in the world and highlighted the new financial model There are really outstanding issues in the area of product and sovereign rating.