Dzidza NezveTatu-Bond Rating

Nhamba dzeAAA Dzinogara uye dzinomiririra Bhizimisi Zvikwereti Zvikwereti

Kana uchinge wavaka mari yako yekutengesa uye uchitanga kuisa mari muzvisungo , iwe unogona kunzwa nezvechikwereti chikwereti chikwata, kunyanya zvibatiso zveTatu-A, kana zvibatiso zveAAA sezvavanowanzozivikanwa. Iri zita rinogona kuonekwa richivhiringidza asi rinowira pasi pakunzwisisa kuti "kuchengeteka" sei chisungo ndekutarisa pamhando dzose dzematriki, sekusimba kweshizha rekubudisa , iyo mukana wekuwana mari yakakwana uye mari inoyerera kuzovhara kufarira kwakapikirwa uye kubhadharwa kukuru, uye kubhadhara kunogona kubatwa kana chiitiko chisati chafa kusati kwasvika kana pakunamata .

Kunzwisisa Tatu-A Bond Rating

Triple-Azvisungo, kana AAA zvisungo, ndeavo vanofunga kuti ndiyo yakachengeteka zvachose nehurumende dzehutano dzinosarudza kugadzirisa chikoro chavo. Nhengo dzehutano dzehurumende dziri kuratidza kuti dzinofunga kusakanganiswa - kureva kuti, iwe hauna kuwana mari yawakapikirwa iwe pawakavimbiswa nayo - zvose asi zvisingafungi kunze kweiyo yakanyanya kure.

Izvo zvinonetsa zvakaoma kuti uwane chiyero cheAAA. Sezvo zvave zvichinyatsoparidzirwa mubhizinesi rebhizimisi, kupera kwe 2008-2009 kwakange kwakashata zvokuti pakupera kwenguva, pakanga paine chete S & P 500 yezvinhu zvinogona kuzvirumbidza neAAA. Idzi dzaiva:

1. Automatic Data Processing, iyo payroll processing giant iyo inobatsira mamwe mabhizimusi kubata basa ravo nekudzivirira uye kubhadhara mitero
2. Johnson & Johnson, chiremba, mishonga, uye mutengi mukuru wezvokudya ane 265 makambani anoshandiswa oga uye ane nhoroondo yakaoma

1. Microsoft, imwe yenyika makambani makuru emapurogiramu epamusoro anozivikanwa nokuda kwekunyanyisa kwemari inonzi conservatism
2. ExxonMobil, yekare Standard Oil yeNew Jersey / Standard Oil yeNew York titan iyo inomiririra mbeu huru yeumambo hwaJohn D. Rockefeller

Triple-Azvisungo zvikamu zveboka rakawanda rezvisungo zvinodanwa sekutsvaga bhizinesi.

Chero humwe hutano hwakarongwa neBBB- kana pamusoro apa hunofanirwa kubhadhara bhizinesi . Izvi zvakakosha zvinotungamirira. Semuenzaniso, bhadha rebhangi rekubhengi kana mari yepenjeni inenge isingabvumirane nekutengesera mabhizinesi ebhizinesi, kusanganisira Triple-A zvisungo, sechikamu chebasa rekuchengetwa kwekodzero kune vatengi.

Zvikwereti zvine chiyero cheAAA zvinongororwa zviri pasi pevaya vane hurumende dzakasunungurwa dzakabudiswa nehurumende dzakanyatsoshanda, iyo yekupedzisira ndiyo yakakosha nokuda kwekuti vane kodzero yekubhadhara mutero uye vane mauto akamira anogona kuvimbisa kubhadhara kwezvisungo.

Pamusana pechigaro chavo chakasimba, AAA-rated bonds inopa zvibereko zvakaderera. Zvaunowana murugare rwepfungwa iwe unorasikirwa nemari nokuti vamwe vashandi vanoda kupa mari yekutengesa, kunyanya kana zvinhu zvichienda kumaodzanyemba (inozivikanwa se "kutiza kuenda kune ngozi").

Mupikisi weTatu-Bond Rating

NeAAA yakarongedza zvibvumirano kumusoro kweklasi yekutsvaga bhizinesi, D dzakasungwa zvibvumirano zviri pasi. Chiyero cheD chinoratidza kuti hutano hwave husati hwasvika. D akabatanidza zvipfeko chikamu chechikamu chinozivikanwa sejunk bonds .

Avhareji vepanhasi vanoita zvakanaka kubatisisa zvachose kuzvikwereti bhizinesi zvisungo. Paunenge uchidzika pasi nehutanho hwomukati, zvigadziriswa zvisingagoneki zvinomuka zvakanyanya.

Kuuya nokuda kwezvibereko kunotora mari yakawanda yemhuri yakawanda yekurasikirwa pfuma. Kakawanda, chikwata chapamusoro chekufarira chiyeuchidzo chinotorwa apo bhizimisi inogumira kutumira iwe kufarira zvachose kana iwe uzviwana iwe uchiwana gwaro rekushaya mari.