Rating credit ee dalka, ee qeexidda iyo macnaha ereyga

Qof kasta oo aqoon u leh xilli ciyaareedkan, sida rating credit ah. Waxaa inta badan loo isticmaalaa in lagu qeexo bangiyada, laakiin fikradda lagu saleyn karaa a jirka, cidda iyo xitaa dalka.

Waa maxay score credit of shaqsi ahaan - waxaa iska cad. Tani waa fursad qofka inuu ku soo laabto ka heshay xisaabtaaysa amaahda ururada. Tilmaamahan waxaa loo xisaabiyaa by bangiyada si loo ogaado in ay u bixiyaan amaah ah qof.

Haddii aad la kordhiyo baaxadda, waxaan ka heli shirkadda credit rating ah. Waxa ay noqon doontaa mid xiiso leh sida shirkadaha-hawlgalayaasha iyo maal.

Waa maxay credit rating ah?

Aragtidani waxa ay isku leedahay load data kale oo badan, haddii aad u codsato in a ururada dhaqaale dheeraad ah oo adag, sida dalka. Credit ratings dunida ka tarjumaya halista ah ee maalgelinta kaabayaasha gobolka. Iyada oo ku saleysan tirada this, waxaa suurtagal ah in gebagebo ku saabsan in xukuumaddu ay la kulmi karaan ay waajibaadka deynta. Investors qaadato go'aamada maalgelinta waaweyn ee shirkadda ama warshadaha, waa in ay tixgeliyaan qiimaha hadda rating credit ah.

Laakiin waqti isku mid ah, in ay nuxurka la saadaalinayaa. Isagu ma siin damaanad sixun soo laabtay on maalgashiga, oo sidaas daraaddeed ma noqon karaan qiyaas sixun isku halaynta. Marka la samaynayo maalgashi go'aamada credit rating waa in la tixgeliyaa in lala arrimo kale, isagoo rumeyn Bulshda ee maalgelinta sida.

Yaa waxa la oggol yahay si loo ogaado ratings credit?

Waxaan bartay indices noqon kartaa heer qaran iyo heer caalami ah. hore waxaa lagu go'aamiyaa hay'adaha rating qaranka. In Russia, waa "rus-Rating" "RA Expert", "National Rating Agency" iyo kuwo kale, ee Ukraine - "Rating Credit" iyo "Rating Standard". Waxay leeyihiin awood kaliya gudaha dalkiisa.

kalsooni badan xogta uu keeno shirkadaha rating caalamiga ah:

• Moody ee.
• Standard & Poor ee (S & P).
• Fitch.

Waxay la abuuray oo dalka Mareykanka ah bilowga ah ee qarnigii la soo dhaafay, laakiin helay aqoonsi dunida oo gaadhay heer caalami ah.

Ururadani waxay qeexaan ratings credit caalamiga ah ee dalalka, warshadaha, shirkadaha, saadaasha la xiriira arrintan hay'adaha bangiyada, iyo sidoo kale ku hawlan falanqaynta ee suuqyada maaliyadeed.

Qoondeeyey credit rating

Hay'adda rating kasta ayaa go'aamisay qiyaasta naqshada ay. Qiimaha fikradda asaasiga ah waxay leedahay qeexidda suugaan, iyo S & P iyo Fitch go'doonsan calaamadaha "+" iyo qaybta dhexe on qiyaasta ah "-" waxaa la macno yar ka tirooyinka ku cabirtid ee Moody ee kala duwan.

Waa maxay saadaasha hay'adda rating ah?

Tixgeli rating credit ee dalalka si wadajir ah ula saadaashii la xidhiidha in la siiyo hay'adda isla taagan. Iyagu waxay u imanayaan in afar nooc:

- aragti wanaagsan - oo macnaheedu yahay in mustaqbalka dhow, rating ay u badan tahay in la kordhiyo.

- Xasilloon - ma isbedel wacdiya.

- taban - tahay credit rating hoos.

- In kiiska halkaas oo ay jiraan jaaniska la mid ah sida hoos ama siyaadiyaa tilmaanta, qeexo guuxayay aragti.

Sidee ayaa rating credit ee Ukraine iyo Russia ka badan sanadkii la soo dhaafay?

In 2014-2015 ee dalalkaas, waxaa jira dhacdooyin in ay kiciyaan oo hoos u dhac ku tilmaame this. Oo horay saamaynta ugu horeysay dareemi.

rating The credit ee Ruushka ayaa hoos Moody ee Baa1 c in Baa2 dabayaaqadii 2014. Intaa waxaa dheer, waxaa suurogal ah ay hoos u sii - aragti xun. Hay'adda Standard & Poor ayaa sidoo kale hoos u credit rating Russia ee ka BBB- si BB + ee ajnabiga ah, iyo ka BBB in BBB- lacagta waddanka. Fitch horraantii 2015 ka dhigay hoos u dhaca xad saadaalin ka BBB in BBB-, weli la aragti isku mid xun.

Ukraine, sida ay hay'adaha fulinta Cusube ee caalamiga ah, waa in dawladda preddefoltnom. Horraantii 2015, Fitch ayaa aasaasay waxa loogu talagalay qiimaha SS la arrimuhu xun. rating The credit of Ukraine ee lacagta qalaad, sida ku cad xogta Standard & Poor ayaa, dhamaadka 2014 waxaa hoos ka CCC in CCC- heer.

Waa maxay sababta ay sidani u dhacaysaa? rating The credit dalalka waa la dhimay u dhiganta kor u ah ee ay deynta shisheeye.

aad aamini karto hay'adaha rating ah?

In times of musuqmaasuqa barwaaqo heer kasta waa su'aal: "? Sidee sax yihiin ururada xogta rating Waxaan ku kalsoonahay karaa" Indeed, ee "qaloocin" credit rating ee dalka si xoog leh u saamayn kara xaalada adduunka ee maalgelinta iyo qulqulka waaweyn maalgashiga tooska ah ee dhinaca qaldan. Haddii xogta ratings, taas oo loo adeegsadey dhinac-Maal, waxay noqon doontaa oo been ah, waxa ay ku baaqeysaa in su'aal ku tacaluqa ee maalgelinta, oo ha dhawaado ama ha ka muuqan doontaa faa'iidada.

Hay'adaha rating kor ku xusan ayaa si adag u shaqeeyey muddo sannado ah, kasbashada awood caalami ah iyo kalsooni. Haddaba shaqadooda waa in ay sida ugu badan ee suurto gal sax ah iyo ilaa macluumaadka taariikhda si ay u ilaaliyaan xaaladdooda. Xilsaaray by credit caalamiga ratings sinaba ma suurtowdo in sahlaya in, si ay loo isticmaali karaa sida lagu kalsoonaan karo ilaha macluumaadka for falanqaynta suuqa.