小贷评级有助于其良性发展,目前来看,小贷评级还是比较分散的,那么形成一个统一的小贷评级体系是否是未来的一个发展趋势?小贷行业是不是需要统一的评级?从国际经验来看,国外的小贷行业实际上并没有一个统一的评级体系,很多西方国家像美国、欧洲的小额信贷行业,报送数据都是小贷机构的自发行为,也由自发组成设立的协会来负责评级,也就是说,行业的评级更多的是一种自下而上的发展模 The rating of small loans helps its benign development. Currently, the ratings of small loans are still relatively scattered. Is it a trend for the future to form a unified credit rating system? International experience shows that foreign small-loan industry does not actually have a unified rating system. Many western countries like the micro-credit industry in the United States and Europe report data as spontaneous acts of small loan institutions and spontaneous formation Of the association to be responsible for the rating, that is, the rating of the industry is more of a bottom-up development model