当前，我国微型金融机构快速、良好发展，但是微型金融机构与投资者、借款者和捐赠者之间存在信息不对称，不利于行业的长远发展，建立微型金融机构评级可以充分解决这个问题。本文在介绍我国微型金融机构发展现状的基础上，对我国建设微型金融机构评级的必要性和发展机遇进行分析，然后分别介绍了国际微型金融机构评级发展状况和国际微型金融机构评级方法，总结了国际微型金融机构评级方法与综合性商业评级方法的不同点，最后分析了我国建设微型金融机构评级可能面临的问题，并提出了相关建议。
At present, China's microfinance institutions develop fast and well, but there is information asymmetry between the microfinance institutions and investors, borrowers as well as donors, which goes against the long-term development of the industry. The establishment of microfinance institutions rating can fully solve such a problem. Based on the introduction of the current situation of the development of our country's microfinance institutions, we carry on the analysis of the necessity and development opportunities of constructing our country's microfinance institutions rating. Then we respectively introduce the development situation of international microfinance institutions rating and the method of international microfinance institutions rating. What's more we summarize the differences between international microfinance institutions rating method and comprehensive commercial rating method, and finally we analyze the problems we may face in constructing microfinance institutions rating, and put forward related suggestions.
