The RATING describes the activities to assess the creditworthiness of a company or business project. This will determine how much a borrower is able (able) to meet its payment obligations in FUTURE .
The remarkable thing is that the rating of this ability ONLY WITH A SINGLE NOTE notes.
At the end of the rating process will come out a note, which is considered sole decision FUNG CRITERION for:
- the RENEWAL of existing credit lines
- the GRANT on new loan
- the HEIGHT in credit conditions (interest).
is your credit history than on a single note . HOW TO DETERMINE THE NOTE?
The rating score is determined from a weighted COMBINATIONS of:
- QUANTITIATIVEN COMPANY RATING (this evaluation is currently self-economic situation, balance sheet, P & L, cash flow statement, ratios)
- QUALITITATIVE COMPANY RATING (management quality, employees, strategy, organization - the key elements - and processes, accounting and auditing, risk management)
- ANALYSIS of PRODUCT, INDUSTRY AND ENVIRONMENT (product, unique features, customer benefits, innovativeness, industry and market analysis, risk analysis)
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