BBB Rating. ukulinganiswa Credit kunye nophando

Umele ukuba ngandlel 'ziphonononge imeko sikarhulumente. Uyakwazi sazisa kugweba ngamandla ukuthenga okanye ukunyanga i ukhetho oluthile kwi imeko yomntu ngamnye kwaye babe nomdla koko unika ngokubaluleka. Umzekelo - amathuba ukubuya ityala. Kwaye kule ngongoma umdla inika amanqaku ngetyala kunye nophando ezabelwe lona.

Yintoni isilinganiso nophando?

amanqaku Credit wabhekisela iimbono arhente yokulinganisela Russian angaphandle umntu malunga uzinzo lwemali yokuhlawula amatyala kwicandelo mali lwamazwe ngamanye ngaphakathi kwimida yayo kunye nakumazwe ngamazwe. Ukuze ubone ukuba ixabiso kufuneka yabelwe, ukuqhuba izifundo ezizodwa esinenjongo - ukufumanisa imeko yezoqoqosho kweli lizwe, ukuqikelela ixabiso amatyala ekufuneka ihlawulwe kunye namathuba okuba ngenene intlawulo yazo ukuba ziya kukhutshwa ngexesha lolu phando. Intembeko - i parameter ukuba liqikelela okuba ukubuya amatyala, ukuba anike mboleko khona ngoku. Kwaye paha ukuba rating exposure kwenziwa kuphela ngokunxulumene ithi ngamnye, kodwa iinkampani ezinkulu. Ngoko ke, creditworthiness - yingcamango ukuba awasebenzi kuphela kumazwe ngamnye kodwa iinkampani zabucala.

Ngubani ikubeka?

Bona benza ukulungiswa kwaye bembonisa athile yokulinganisela ukuba esweni imeko kweli lizwe. Bayakwazi ukubukela, okanye ngokusebenzisa amajelo eendaba kunye norhulumente manani, okanye yokudibanisa nabo iingxelo kubameli bazo. Ngokomzekelo, ezinye ii-ofisi ukusebenzisana inani labasebenzisi leenkampani ezahlukeneyo (kusetyenziswa uphando), njengoko wenza i Better Business Bureau, abanye bazama ukunciphisa imibutho ezinkulu kuphela.

Kutheni kufuneka?

Kutheni kufuneka ukuba ezi ratings? Inyaniso yokuba zinika ulwazi kubatyali-mali olunokubakho malunga nemeko zasekhaya imeko. Ngokwesiseko ngokoluvo noosomashishini ezininzi kunye neenkampani, isigqibo malunga nokuba imali nguRhulumente okanye umbutho.

mgangatho credit

Luhlobo olunjani lweenkqubo mlinganiselo credit zikhona? Abasakwazi kakhulu kwaye ziboniswe kwi alphabet Latin. Ngokubanzi, kukho iintlobo ezininzi ngokufanelekileyo amaqondo omlinganiselo ukuba usebenzise oonobumba abancinane, iingenelo neengozi, kodwa Sigaba ziya kuqwalaselwa i "amathambo" esisiseko kuphela:

1. AAA rating. Izinga eliphezulu. Kuyabonakala ukuba eli lizwe umboleki kwelona nqanaba liphezulu ngetyala. Imeko yezimali ilungile kwaye bezinzile ngokuhamba kwexesha. States ukufeza iimfanelo zabo ngexesha ephantsi kakhulu kuxhomekeke kwizinto yangaphandle imvelaphi anthropogenic. Ubungozi anokwenzeka sakugcina, amathuba okungagqibekanga esondele zero.
2. AA rating. A inqanaba eliphezulu kakhulu creditworthiness. Kolu luhlu kuwa urhulumente, ngubani na imeko yezoqoqosho zizinze ixesha elide. La mazwe kwakhona ixhomekeke okwanamhlanje kwi inguqu engentle kuqoqosho lwehlabathi kwaye inqanaba eliphantsi kubungozi bamatyala.
3. Rate A. Inqanaba eliphezulu creditworthiness. imeko yezoqoqosho lwamazwe kolu didi kuvandlakanywa elungileyo ngexesha elinikiweyo. Zonke iimfanelo ziqhutywa ngexesha elifanelekileyo. Ngelo xesha ilizwe uxhomekeke esisezantsi iinguqu ezingentle ukuba kwenzeka kuqoqosho lwehlabathi. Inqanaba kubungozi bamatyala ivavanywayo njengezinga.
4. BBB Rating. Inqanaba eliphezulu noko creditworthiness. Lo mlinganiselo ubonisa ukuba imeko zelizwe zoqoqosho Kuyinto elungileyo. Kusenokuba ngexesha ngokupheleleyo ukuhlangabezana nezibophelelo zawo. Urhulumente uxhomekeke lutshintsha abangaxhalabisiyo ezingentle kurhwebo lwehlabathi. Amathuba isahlakalo kubungozi bamatyala - ngcathu.
5. BB Rating. A kwinqanaba obanelisayo yokuhlawula amatyala. Ezi oonobumba simo ziboniswe ngurhulumente, imeko yezoqoqosho nto leyo kuthathwa eyamkelekileyo. ngokupheleleyo ngexesha ke ukwenza imisebenzi yalo, inguqu engentle abangaxhalabisiyo abaxhomekeke kwimarike yoqoqosho lwehlabathi, kodwa utshintsho elibi kuqoqosho lwehlabathi kubakho ulibaziseko. iingozi Credit zivavanywa njengezamkelekileyo.
6. Rating V. Inqanaba aphantsi creditworthiness. Imeko yezoqoqosho yeli didi kumazwe kwachazwa njengento ezingazinzanga, kwaye imbuyekezo kwangethuba ityala uxhomekeke kakhulu le meko ngamazwe. iingozi Credit kula mazwe avareji ngasentla.
7. CCC rating. Inqanaba aphantsi creditworthiness. Ezi ziquka amazwe kunye nemeko kakuhle kwezoqoqosho. Ukukwazi ukwenza imsebenzi babo buxhomekeke kakhulu kwiinguqu kwisimo soqoqosho. inqanaba lomngcipheko credit uthathwa phezulu. Kwakhona kukho kubonakala kakhulu ukuba imbopheleleko aya kuzalisekiswa okanye hayi ngokupheleleyo ngaphandle kwexesha.
8. SS Rating. inqanaba elisezantsi kakhulu yokuhlawula amatyala. Imeko yezimali kwamazwe endayizisela kolu didi, akwanelisi. Ukuba nokwenzeka inzaliseko nezibophelelo zawo kumiselwa kakhulu ziinguqu sangaphandle iingozi kwezoqoqosho credit umkhulu kakhulu. Amathuba saziso emiselweyo likhulu.
9. S. Rating inqanaba enganelisiyo creditworthiness. Uqoqosho kolu didi zikwimeko enkenenkene kakhulu kwaye i emngciphekweni omkhulu kakhulu. Njengomgaqo, apha wangena ilizwe apho urhulumente pre-default.
10. Rating D. default. Apha kuza ilizwe ukuba ayikwazi ukwenza inkonzo neemfanelo zalo, mhlawumbi, kukho inkqubo imilinganiselo ezizakuqaliswa. Kuyimfuneko ukuba ukwahlula phakathi kwezi zalathisi ezimbini, kuba engagqibekanga - nje lowo uyala ukuhlawula amatyala alo, kwakubekwe, oko onokukuxela urhulumente, apho wonke umvuzo.

Malunga Russian Isho Word

Ekubeni arhente nganye isikali yayo lokulinganisa, zikho izimvo efanayo. Kodwa ngokubanzi, eRashiya mlinganiselo BBB okanye BB. Azikhethekanga kakuhle, kodwa hayi kakhulu lithemba. Ngoko ke, BBB mlinganiselo ibonisa ubukho iingxaki ezithile. Kodwa phakathi iingcali akukho umanyano. Ngoko ke, ukukala eRashiya ngoku kwinqanaba ukuba zandiswe ingqwalasela lizwe nasekuphuhliseni inzululwazi nobuchwepheshe obutsha. Kwaye ngoko ke rating BBB ukuba iphuculwe A. Ukuba akwenzeki oku, ngoko unokulindela lalisiya.

isiphelo

Njengoko ubona, ezi ncwadi obonakala ulula na onokumxelela lukhulu. Emfa kwayo akukho umsebenzi wabantu abaninzi ukuqokelela nokuhlalutya ulwazi oluyimfuneko. Kwaye makhe ithemba ukuba rating BBB eyabelwe eRashiya zii-arhente ezininzi okwangoku, iza kutshintsha kakhulu.