论文部分内容阅读
作为改革的重要一步,我国商业银行现在被允许发行次级债。次级债在我国还是一个新生事物,是在我国银行业全面对外开放最后期限将至,而国内银行资本严重不足的情况下出现的,商业银行通过发行次级债,能够较快地补充资本金,是一种市场化的好办法。信用评级已经有近百年的历史,目前在西方国家的银行次级债发行中的应用已经十分广泛。本文针对商业银行次级债的外部信用评级进行了研究。并提出了建立和完善信用评级体系来规范我国商业银行次级债发行,保护投资者利益的一些建议和措施。
As a major step toward reform, commercial banks in our country are now allowed to issue subordinated bonds. Subordinated debt in our country is still a new thing, is in our country's banking sector opening up to the full deadline, while the serious lack of capital in the case of domestic banks, the issuance of subordinated debt by commercial banks, can be faster to replenish the capital , Is a good way to market. Credit rating has been nearly a hundred years of history, the current issuance of bank subordinated bonds in Western countries has been very extensive. This article studies the external credit rating of commercial banks subordinated debt. And puts forward some suggestions and measures for establishing and perfecting the credit rating system to regulate the issuance of subordinated bonds by commercial banks in our country and protecting the interests of investors.