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essay代写-Credit rating and financial risk prevention

2018-07-09 | 来源:51due教员组 | 类别:Essay代写范文

本篇essay代写- Credit rating and financial risk prevention讨论了信用评级和金融风险防范。如今,信用评级已经成为金融风险防范目标实现的关键所在。虽然信用评级在参与金融风险防范中有其自身的作用路径,但受评级行业发展中的弊病影响,导致信用评级作用受到限制,需从评级行业规范、信用评级体系模式完善等多角度采取相应的策略,以此推动金融市场的稳步健康发展。本篇essay代写51due代写平台整理,供大家从参考阅读。

Credit rating,financial risk,essay代写,代写,paper代写

Since 2006, the United States after the outbreak of the subprime crisis, the financial risks caused by almost worldwide, including the European Union countries, Japan, China, etc., have been significantly affected, the worldwide financial risk alarm bells over credit system in our country. Although the current our country in the financial sector, more financial innovation tools, products derived, and a credit rating involved, but the credit rating under the application effect is not ideal, the reason is that there are some defects in our country's credit rating industry development, to the financial risk prevention work hard. Therefore, it is of great significance to study the countermeasures of credit rating and financial risk methods.

On credit rating, always make more explanation to the concept in the research data, can be understood as an independent objective and fair principle, by professional departments or institutions through comprehensive evaluation analysis method, economic subject, financial instruments of the risk factors, on the basis of the specific economic subject during the negative debt, financial tools according to the market, will be the final evaluation results publicly in the market, to ensure that investors have accurate market information as a reference. This management activity in the process can be called credit rating. Look from the function of credit rating, main show is: the risk of credit rating in nature is revealed, and to reveal risk to measure credit risk rating object implementation, since the 1970 s, risk measurement and emphasized on the statement of financial data analysis, then under the credit market development, the more risk measurement model, can reflect the credit rating risk measurement function. Are advocated in current financial sector in order to construct a financial risk early warning mechanism, the risk early warning should be achieved by rating, financial institutions ratings, for example, prefer to follow the internal rating method for judging its capital adequacy ratio, but compared to its external credit rating method, the effect is poorer. The introduction of credit rating method into the financial market can provide the information supply and demand parties with corresponding pricing mechanism and flow mechanism, so as to effectively allocate credit resources.

Financial risk prevention is a major concern in the development of China's financial industry. Both government departments and financial institutions have gradually realized the importance of credit rating. From the perspective of the role of credit rating in financial risk prevention, the main performance is: first, the main credit risk identification of financial institutions. Has a wide range of financial institutions subject, such as commercial Banks, securities companies, insurance companies, fund companies, etc., to the introduction of the credit rating, assets through the rating in the table, the table outside the project, to determine the risk weights, on the basis of calculating capital adequacy ratio, such as commercial Banks, as the capital adequacy ratio is too low, will be taken to control the risk of assets, the asset growth speed restrictions, and broaden the channels of capital supplement. Secondly, the construction of social credit system. Credit rating, the program was publicly revealed the results of rating, such financial institutions under the clear own development problem, pay more attention to how to operation and development, in the whole financial market can rational management institutions, to build a good credit environment. Finally, national financial security. Credit rating is not limited to a certain ability of a financial institution or financial institution. It can be used to evaluate and demonstrate the credit status of a country. In particular, the rapid global private capital flows are likely to lead to uncertainty in a country's credit risk, which needs to be solved with the help of the credit rating system.

Credit ratings more breakthrough achievements in the development of our country in recent years, from the development course, the "corporate bonds management provisional regulations" in 1987, after the release, then mention for the construction of a credit rating agency, after the credit rating agency of expansion, clean up, the consolidation process, begun to take shape, a rating agency. Many famous credit rating agencies on the rating business scope is broad, such as corporate governance rating of the rating, the rating structured finance products, financing, fund rating rating, financial institutions and credit rating enterprise, largely reflects the credit rating agency development faster. In addition to government support, the development of the credit rating industry.

Although China has made a lot of achievements in the development of credit rating industry, its problems cannot be ignored, which has become the main reason restricting its financial risk prevention effect. From the perspective of credit rating industry problems, the main performance is: first, insufficient system supply. For example, government departments and industry regulators do not really recognize the characteristics of the rating industry, so they are not comprehensive in many relevant rules and regulations. Taking the qualification of credit rating as an example, the arbitrariness is extremely obvious and the level of access system is low, which leads to the proliferation of credit rating agencies and makes it difficult to play a key role in financial risk prevention. Second, the independence of rating services. Credit rating agencies operation, in addition to government intervention, the rest of the interest relations with the rating services market main body, will have certain influence to rating company operation, appear "injustice" survival situation, a rating agency, this question lacks of independence, the final rating results difficult convincing. Third, the development of the bond market, if the bond market does not have a large scale, will face certain difficulties in establishing the credit rating status. Such as issuing corporate bonds interest rates again, once the bank interest rates decline, to make bonds more attractive, require that the enterprise bond interest rates control on a certain interest rate cap, it will lead investors to investment enthusiasm is abate, the enterprise faces more challenges on bond issue, the credit rating in the process of the pricing function loss.

In view of the current credit rating industry development problems, in order to make its role in the financial risk prevention to get maximum play, first of all, we should pay attention to on the credit rating industry to adopt effective measures. First, it can be further regulated in the industry quality control system. Such as regulators, on the limitation of the development of the credit rating industry avoid credit analysis technology development, or clear the rating method definition, should pay attention to the role of regulatory qualifications focus on institutions and institutions of continuous regulation level, make the whole industry healthy and orderly development. For another example, the rating agencies themselves should pay attention to the improvement of the transparency of rating, constantly strengthening the quality of rating analysis, and continuously developing credit monitoring tools and establishing quality inspection tools. Secondly, the improvement of access and exit mechanism. Under the rapid development of financial markets, credit rating agencies, such as bamboo shoots, quickly developing at this point there are vicious competition situation, the reason lies in the barriers to entry is low, so need to be on the access mechanism to further improve, such as the reference to the United States "NRSRO" access system, ensure that credit rating agencies credit is higher. At the same time, we need to improve the exit mechanism. For example, we can eliminate the institutions with low credit and weak competitiveness, so as to achieve the goal of standardizing the rating industry.

As credit rating itself is the prevention of financial risks, the improvement of the whole rating system model will directly influence the performance of its role. Therefore, in the process of improvement, we need to start from the supervision mode, service charge mode and other aspects. For example, in the supervision mode, unified supervision of credit rating agencies should be considered, which includes comprehensive contents such as the qualification examination of rating business and the determination of rating results. Mode, such as service charge again for larger scale and credit rating agencies, of high quality can be taken directly to the issuers charge, and the lack of credit history, small scale, rating information can be sold to investors, collect fees. In this way, the costs of rating actions can be remedied.

Credit rating is the key to achieve financial risk prevention goals. This article can be found in the study, the credit rating in the financial risk prevention has its own role in the path, but affected by the problems in the development of credit rating industry, credit rating action is restricted, need from the rating industry standards, such as credit rating system model perfect angles corresponding strategy, to promote the steady and healthy development of the financial market of our country.

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