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随着社会主义市场经济的加快发展,人们对信用的渴望日趋增强,由此产生了对资信评级产品的需求。经过几年的酝酿发展,宁波市借款企业资信评级行业有了较大发展,但行业规模仍然较小,市场需求仍显不足。其原因是多方面的:一是评级市场的有效供给不足;二是评级市场的固有特性抑制了现实需求;三是受评主体信用管理意识薄弱;四是制度安排缺陷扭曲了评级产品的消费动机。为扩大借款企业资信评级的现实需求,本文提出了应对建议。
With the accelerated development of the socialist market economy, people’s desire for credit has been increasingly enhanced, resulting in the demand for credit rating products. After several years of brewing and development, credit rating companies in Ningbo City, have made great development, but the industry is still small, the market demand is still insufficient. The reasons are many: First, the lack of effective supply of rating market; Second, the inherent characteristics of the rating market curbed the real demand; Third, the subject of the subject of credit management awareness is weak; Fourth, institutional arrangements distorted the consumer rating motivation . In order to expand the real needs of credit rating companies, this paper puts forward some suggestions.