我国微型金融机构评级研究

发布时间：2018-05-15 03:02

本文选题：微型金融机构 + 评级　；参考：《天津财经大学》2012年硕士论文

【摘要】：近年来,以村镇银行为代表的新型农村金融机构以及小额贷款公司等各种微型金融机构(MFIs)活跃于农村市场,对农村经济的繁荣起到了一定的作用。但与此同时,各种问题也凸显出来。为了引导其更快、更好的发展,我国开始从各方面寻求外部服务的支持,其中信用评级便是探寻的渠道之一。国际上有十几家专业微型金融评级机构,一些主流评级机构也正在进行微型金融评级业务探索。目前近三分之二的微型金融评级市场由华盛顿的MicroRate、巴黎的Planet Rating和新德里的M-CRIL三家公司占据,各专业评级机构也都创立了自己的评级体系。在我国,主流评级刚刚兴起,微型金融专业评级实践尚处于空白状态。所以,在此背景下,本文首先对MFIs评级的意义进行探讨,主要从微型金融行业的发展、机构自身发展、以及投资者和监管者的需要四个层面进行分析,阐述了专业评级的必要性,并提出专业评级对小额贷款公司转制村镇银行具有现实意义。然后,本文在借鉴国际专业微型金融评级机构的基础上,特别结合我国MFIs的自身特点及发展现状,试图探索一套符合我国微型金融发展现状的评级体系。最后,结合当前我国主流评级中存在的问题,对专业评级可能出现的问题进行探讨,以避免专业评级陷入同样的困境,并提出一定的解决方法。
[Abstract]:In recent years, new rural financial institutions, such as village banks and microfinance companies, have been active in the rural market, which has played a certain role in the prosperity of rural economy. But at the same time, all sorts of problems also stand out. In order to guide its faster and better development, our country began to seek the support of external services from various aspects, among which the credit rating is one of the channels to explore. There are more than a dozen professional microfinancial rating agencies in the world, and some mainstream rating agencies are also exploring microfinance rating business. Nearly 2/3 of the microfinancial rating market is dominated by MicroRate in Washington, Planet Rating in Paris and M-CRIL in New Delhi, and professional rating agencies have created their own rating systems. In our country, the mainstream rating has just arisen, and the practice of microfinance professional rating is still blank. Therefore, in this context, this paper first discusses the significance of MFIs rating, mainly from the development of microfinance industry, the development of institutions, as well as the needs of investors and regulators. This paper expounds the necessity of professional rating, and points out that professional rating is of practical significance to the transformation of small loan companies into village banks. Then, on the basis of drawing lessons from international professional micro-finance rating agencies, especially combining the characteristics and development status of MFIs in our country, this paper tries to explore a set of rating system which accords with the current situation of micro-finance development in China. Finally, combining with the existing problems in the mainstream rating of our country, this paper discusses the possible problems in the professional rating, in order to avoid the professional rating falling into the same predicament, and puts forward some solutions.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

【参考文献】