【摘要】 本文以人民银行济南分行采取“行政引导、市场主导”的策略组合启动信用评级市场的案例,探讨了信用评级中外部监管与市场运作的组合搭配问题。认为现阶段人民银行对征信业进行统一而规范的管理,是信用评级市场发展的基石,不可或缺。同时,随着信用评级市场空间的拓展、国内信用评级机构的成熟,行政监管与市场运作的边界也要进行动态的调整,面对差异性的市场实行有差别的管理,寻找行政管制与市场竞争的动态均衡点。更多还原

【Abstract】 This paper reviews the composite strategy of administration and market in credit rating, to show the central bank regulation on credit rating market is an optimal choice in current situation. With the market expansion, the development of rating agency, the border of administration and market will be changing dynamically, and discriminative regulation should be imposed on heterogeneous markets.更多还原