建立健全买方信用评级系统的必要性随着国内信用产品创新不断,信用产品整体的信用风险也不断加大和外化。所谓信用风险的加大是指以往信用产品的发行人绝大多数是资产和效益都较好的大型央企、国企,并且都由银行提供担保;而现在发行人已经扩展到中小型民营企业,且银行不再提供担保; Necessity of Establishing and Improving a Buyer’s Credit Rating System With the continuous innovation of credit products in China, the credit risk of credit products as a whole has also been continuously enlarged and externalized. The so-called credit risk increase refers to the vast majority of past credit product issuer is a large asset-efficient and efficiency of large central enterprises, state-owned enterprises, and are provided by the bank guarantees; and now the issuer has been extended to small and medium private enterprises, and No longer provide bank guarantee;