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次贷危机使我们认识了信用评级的作用,目前我国资产证券化正发展之中,我们不能因为次贷危机否定资产证券化,但在证券化工程中要重视信用评级,防范风险。但我国信用评级还存在金融生态环境制约信用评级环境、管理的混乱、评级人员素质有待提高等问题。所以,要从以上几个方面改善和发展我国的信用评级行业,促进资产证券化的健康发展。
Subprime mortgage crisis made us recognize the role of credit rating. At present, among the development of asset securitization in our country, we can not negate the asset securitization because of the subprime mortgage crisis. However, we should attach importance to credit rating and prevent risks in the securitization project. However, the credit rating of our country still has some problems such as the restriction of the credit rating environment, the chaos of management and the improvement of the quality of rating staff. Therefore, we should improve and develop our country’s credit rating industry from the above aspects and promote the healthy development of asset-backed securities.