Loan CorporationCredit Rating refer that an independent credit rating agency to analyze thecredit risk factors which could affect the loan corporation and evaluate comprehensively in terms of its ability and willingness to repay debts, andindicate it by using simple and clear symbols.
Far East Credit carries out loan corporation credit rating services in Shanghai, Ningbo, Sichuan, Jiangxi, Guangdong and otherplaces,It has been one of the main rating agencies in the local loancorporation rating market.The number of loan corporatin which were rated by FarEast Credit gradually increased whith over 10 years.The number was about
Loan Corporation Credit Rating services ofFarEast Credit includes: corporate credit evaluation report, research ofdefault rates and default probability, research of industry risk index, analysisof credit limit and value at Risks, analysis of credit portfoliorisk.Meanwhile, value-added service could be continuously provide for banks andcorporations, which include selection of banks’ credit clients, bank creditportfolio risk valuation, supervision, warning and corporation risk warningrational suggestion,etc.
1、The role of commercial banks
✚Provide a reference for the selection of commercial banks credit customers；
✚Provide a reference for the designated commercial bank credit standards and credit line；
✚Specifies the loan interest rate and credit policy for commercial banks to provide evidence；
✚Bank loan portfolio risk dynamic management tool that provides a reference for commercial banks to the rational allocation of capital, help prevent credit risks, improve asset quality；
✚Commercial banks' internal ratings and external ratings of effective combination, can reduce the cost of information management and use of bank credit, in favor of the bank to achieve "Basel II" smooth transition。
2、The role of regulatory authorities
✚Help regulators understand the overall credit risk profile borrower, thereby increasing the efficiency of its decision-making；
✚External rating more objectively and fairly reflect the financial regulation objects (such as commercial banks) credit quality, the implementation of classification regulation to provide the basis for the regulatory authorities。
3、The role of business
✚Help to help companies understand their own business risk, improving management and risk control；
✚Good credit ratings help businesses expand financing channels, to reduce financing costs, and establish a good credit image；
✚Prevention corporate customers and suppliers and other business counterparty risk and provide reference for the credit decision。