美国信用评级业及其未来的监管政策调整

美国次贷危机的爆发使得信用评级机构声誉日下,同时也使得美国信用评级业存在的问题进一步暴露.金融创新背景下的美国信用评级业其实存在着许多内在矛盾和困境.因此,以下三个方面将是其监管政策调整的重点: (1)强化竞争机制,调整信用评级现有市场结构; (2)加强信息披露,提高评级活动的可审核性; (3)保证评级活动的独立性,促使评级结果的公正与客观.

American Credit Rating Industry and Its Future Regulatory Policy Adjustments

The outbreak of subprime mortgage crisis imposes great damage to the reputation of credit rating agencies in U.S.,which reveals the existing problems to the public.There actually exist lots of inherent contradictions and dilemmas inside the credit rating agencies against the background of financial innovation.Therefore,the following three points will be the focus to adjust the regulatory policies:(1) to strengthen the competitive mechanism and adjust the existing market structure of credit rating;(2) to int...