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What is a 'Credit Rating'?

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Question ajoutée par Vinod Jetley , Assistant General Manager , State Bank of India
Date de publication: 2014/09/14
Vinod Jetley
par Vinod Jetley , Assistant General Manager , State Bank of India

A credit rating is an evaluation of the credit worthiness of a debtor, especially a business (company) or a government, but not individual consumers. The evaluation is made by a credit rating agency of the debtor's ability to pay back the debt and the likelihood of default.

Elke Woofter
par Elke Woofter , Project Assistant , American Technical Associates

credit rating is an evaluation of the credit worthiness of a debtor, especially a business (company) or a government, but not individual consumers.

An assessment of the credit worthiness of a borrower in general terms or with respect to a particular debt or financial obligation. A credit rating can be assigned ...

Muhammad samran
par Muhammad samran , Junior Officer/Project Coordinator , Pakistan Stell Mill

credit rating is the process of analysis of the credit worth of the debtor in any organization.

n general, a credit rating is used by sovereign wealth funds, pension funds and other investors to gauge the credit worthiness of Pakistan thus having a big impact on the country's borrowing costs. 

Muhammad Hasnain Jaafri
par Muhammad Hasnain Jaafri , Clerk , session court Bhakkar

an estimate of the ability of a person or organization to fulfill their financial commitments, based on previous dealings

Saiful Islam Hiron
par Saiful Islam Hiron , Site HR Manager , Handicap International

Agree with Ofter and Vinod.

Utilisateur supprimé
par Utilisateur supprimé

Rating by an independent financial organizations

It shows the ability of countries and companies to meet their debts

Hashem Albasha
par Hashem Albasha , Accounting Support Adviser , AL Mustwa AL Raqi

i agree with you MR Vinod

thank you for useful question and answer

Utilisateur supprimé
par Utilisateur supprimé

I agree with Mr. Vinod and Ms Woofter.

I think individuals can also be rated.

Muhammad Usman Tariq
par Muhammad Usman Tariq , Visiting Faculty , National University of Science and Technology

Worth of a company to get a loan. It is can be individual rating too. 

Utilisateur supprimé
par Utilisateur supprimé

The commercial and specialized agencies estimate person's  validity or eligibility to obtain loans as well as  studying the finance position of the company or the person or state, and the extent of its credit on the loan and financial ability to repay, which takes into account the person's or company or state records and its conduct in the past for payment of its debts.

Alex Al Yazouri
par Alex Al Yazouri , General Manager , Al Mushref Cooperative Society

It's the risk level of lending this entity.

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