法国中央银行信用评级体系的现实意义

本次金融危机暴露了现有国际评级体系的诸多缺点，为此，各国纷纷减少对三大国际信用评级机构的依赖，考虑逐步建立自己的评级体系。其中，法国中央银行信用评级体系以其悠久历史、26万家国内非金融企业的覆盖面、评级结果的客观有效而广受关注。文章考察了该评级体系的发展经验，比较了其与国际评级体系的差异，并介绍了其独特的基于专家评估的分析方法，以期为我国评级体系建设提供借鉴。

The significance of the French central bank credit rating system

This financial crisis has revealed the shortcomings of the existing global rating system. For this reason, different countries have reduced their reliance on the three major credit rating agencies and considered gradually establishing their own rating systems. Among them, the credit rating system of French central bank has attracted wide attention in view of its long history, 260,000 non-financial enterprises coverage within the nation and objective and effective rating results. The article examines the experience in developing the credit rating system, compares it with other global rating systems and introduces its unique approach based on expert assessment in order to provide reference for China＇s credit rating system development.