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Anonymous users2024-02-13The method of credit rating refers to the skill of analyzing the credit status of the rated object and judging the merits and disadvantages, which runs through the whole process of analysis, synthesis and evaluation. According to different signs, there are different classifications of credit rating methods, such as qualitative analysis and quantitative analysis, subjective rating method and objective rating method, fuzzy mathematical rating method and financial ratio analysis method, factor analysis method and comprehensive analysis method, static rating method and dynamic rating method, ** analysis method and default rate model method, etc., the above classification is just a simple list, and there are also rating methods for various industries.
These approaches intersect, each with its own characteristics, and constantly evolving. For example, in the subjective rating method and the objective rating method, the subjective rating relies more on the qualitative analysis and comprehensive judgment of the rated institution by the rating personnel, while the objective rating is more based on objective factors.
In the development of the rating industry, each rating company is constantly summarizing its own experience and the rating indicators are constantly refined, so it is necessary to make a comparison of different design methods.
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Anonymous users2024-02-12In the rating market, the five largest rating agencies in China are China Chengxin International Credit Rating, Guohengxin International Credit Rating Center, United Credit Rating, Dagong International Credit Rating, and Shanghai Oriental Jincheng Credit Rating Investment Service. Rating agencies are a very special kind of institutions in the financial industry, and what they have to do all day long is to evaluate the level of each company in the relevant field. On the surface, the ratings are made unilaterally, but in essence, this rating can have a far-reaching impact on the company.
A credit rating agency is an important service intermediary in the financial market, and is an organization composed of specialized economic, legal and financial experts to rate the issuer and the credit. **The main objects of credit rating are various corporate bonds and local bonds, and sometimes international bonds and senior**, and ordinary stocks** are generally not rated. There are only three internationally recognized professional credit rating agencies, namely Standard & Poor's and Moody's Investment Services and Fitch International Credit Ratings.
Oriental Jincheng International Credit Assessment****: Oriental Jincheng International Credit Rating is a national and professional credit rating agency approved by the Ministry of Finance and controlled by China Orient Asset Management Corporation with capital investment. The company has successively obtained the credit rating qualification of all domestic debt instruments in the two major bond markets of the China Securities Regulatory Commission, the People's Bank of China and the state, as well as the credit market rating qualification approved by the People's Bank of China.
The company has a registered capital of 100 million yuan, has set up 26 branches across the country, and wholly-owned a professional data company Beijing Oriental Jincheng Data Consulting****, is one of the most powerful credit rating agencies in China, is the only state-owned holding rating company among the five institutions, and the actual controller is the Ministry of Finance.
is the highest grade of bond, which is characterized by:
Maximum security of principal and earnings; They are less affected by the economic situation; They have a lower level of income and lower financing costs. >>>More
There is a table for corporate credit evaluation, I will not list this table, the full score is 100 points Enterprise credit, no major accidents, deep enterprise heritage, etc. can get high scores, but the most important thing is a credit issue.
Use excel** to deal with it, and you don't have to spend money! It seems that there is also some system integration software that can be realized, like Beijing Wanyi guarantee software or something. You can find it with a search on the Internet.
Three credit rating agencies, which belong to the non-**. But after World War II, for 40 to 50 years, the ratings of these three institutions basically became a universal investment standard. That is to say, the basic standard of the industry around the world has been used as the average of the ratings of these three institutions. >>>More
A Personal Credit B Business Credit C Bank Credit d International Credit.