国外债券信用评级的要点及发展趋势研究

公共信用等级分析是当前研究的一个热点，而债券信用评级的理论研究和实践在我国仍处于起步阶段。首先研究了信用评级的用途及其重要性，介绍了信用评级的类型和国外信用评级的步骤。通过对信用评级的分析研究了信用评级中的要点，在此基础上分析了当前在信用评级中通用的两种方法即统计方法和人工智能方法在信用评级中的研究现状，最近的研究表明与传统的统计方法相比，人工智能方法在信用评级中有更优异的表现。通过对信用评级方法的分析，得出了国外目前信用评级发展中的不足与发展趋势。

Key Points and Developing Trend Research of Foreign Bond Credit Rating

Public credit rating analysis is a hot topic of current research, but the theory research and practice of the bond credit rating is still in its infancy in our country. First of all,we studied the use of credit ratings and its importance, describes the types of credit ratings and the step of credit rating in foreign country. Through the analysis of credit rating we studied the main points of credit rating. On the basis of this, we analyzed the status quo of two means ： statistical methods and artificial intelligence methods, which is applied in the research of credit ratings. Recent studies suggest that artificial intelligence methods outperform the traditional statistical methods in credit rating. Through the analysis of credit rating method , we have come to the shortcomings and developing trend in credit rating research in foreign country.