| 信用评级机构行为与次贷危机 |
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| 引用本文： | 翟伟峰,钟道国. 信用评级机构行为与次贷危机[J]. 经济与管理, 2009, 23(3): 47-49 |
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| 作者姓名： | 翟伟峰 钟道国 |
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| 作者单位： | 河北师范大学商学院,河北,石家庄,050091;河北师范大学校办产业管理办公室,河北,石家庄,050091 |
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| 摘 要： | 信用评价机构的正常作用是给次级贷款抵押证券合理的信用评级,从而有利于市场的稳定与发展.由于机制设计的不完善,信用评价机构为了追求自身的物质利益,采用了宽松的评级方式,使信用等级较差的金融衍生产品充斥金融市场,从而引发金融风暴.
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| 关 键 词： | 逆向选择 次级贷款 信用评级 |
Credit Grading Organization Behavior and the Secondary Loan Crisis |
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| Zhai Weifeng,Zhong Daoguo. Credit Grading Organization Behavior and the Secondary Loan Crisis[J]. Economy and Management, 2009, 23(3): 47-49 |
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| Authors: | Zhai Weifeng Zhong Daoguo |
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| Affiliation: | 1.Business School;Hebei Normal University;Shijiazhuang 050091;China;2.School Office;Hebei Normal Univeristy;China |
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| Abstract: | The normal function of credit appraisement mechanism is to give the reasonable credit grading to the secondary loan mortgage securities,and of benefit to the stability and development of market.Due to the imperfect of mechanism design,the credit appraisement organization adopts commodious appraisement method to pursue their own profit,thus make the financing derivatives flooding the financing market and arouse the financing storm. |
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| Keywords: | reverse choice secondary loan credit grading |
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