Company Overview
Company Overview
Fitch Ratings chikamu cheFitch Group uye inobatanidzwa pamwe chete ne Hearst Corporation naFimalac, SA Kambani yakatangwa naJohn Knowles Fitch muna 1913 uye inotarirwa muNew York City. Maonero Akakosha anoshandisa kusiyana kwekambani yekutanga yekugadzira "AAA" kusvika "D" yehutengo hwemari. Kune mahofisi anopfuura makumi mashanu pasi pose ane vashandi vanopfuura 2 000. Mukuwedzera pakupa zvikwereti zvikwereti kumakambani einishuwarenzi nemamwe masangano emari, inoitawo kuongorora kwemashamba kunokosha kuvarimi uye kune vamwe vashandi vezvemari.
Iyo Inoshanda Sei
The Fitch Rating Group inoshandisa nzira dzakasiyana-siyana dzekuvandudza kukohwa kwayo kwekambani dzeinishuwarenzi. Zvimwe zvezvikonzero zvinosanganisira kutungamira maitiro, mararamiro emari uye nhoroondo yekambani ye inshuwarisi. Inoshandisawo data yakabatanidzwa kubva kumakambani einishuwarenzi, vanyori vekunyora pasi uye nhepfenyuro yemari.
Iko kuenzanisa kukosha kwekwereti uye kukwanisa kwekambani kubhadhara zvikwereti zvayo. Inzvimbo yekutengeserana inishuwarenzi haigoni kutongogadziriswa uye inyanzvi yekambani yveshuwarisi inogona kuchinja kubva kune rimwe gore kuenda kune inotevera.
Fitch Ratings
Kuenzanisa zvikwereti zvemakambani einishuwarenzi zvakakamurwa kuva nguva dzenguva refu uye dzenguva pfupi. Kana kambani ye inshuwarisi yakanyorwa se "isina kuverengwa" iyo inoreva kuti Fitch Ratings haina kuzadzisa kuongororwa kwakazara kwemari kwesangano.
Izvo zvinoshandiswa (+) kana zvisingabatsiri (-) zvingagoverwa kuratidza kusarudzwa nemapoka ehutano. Izvi zvinotevera kuparara kwezvinotsanangurwa zvinyorwa:
Yenguva refu-kuverenga
- AAA: Inoshamisa yakasimba - Ichi ndicho chikwata chepamusoro chinopiwa neFitch. Makambani ane chiyero ichi ane simba rakasimba rokusangana nemitemo yezvemari uye yevashandi. Iyi masangano haazogadziriswi nemamiriro ehupfumi.
- AA: Yakasimba kwazvo - Makambani anotarisirwa kuti aite zvakanaka uye anoramba achiwana zvinetso zvemari. Uyewo, makambani aya haazogadziriswi nehupfumi nemamiriro ezvinhu.
- A: Simba - Makambani akarati "A Strong" anotarisirwa kuti aite zvakanaka uye asangane nezvose zvinotarisirwa mune zvemari kunyange zvazvo zvingave zvakanyanya kukanganisa kuderera kwezvemari uye mamiriro emisika kune makambani einishuwarenzi epamusoro.
- BHB: Zvakanaka - Iyi nhamba inoratidza makambani einishuwarenzi ayo ari kusangana nezvose zvinotarisirwa nehurumende uye nezvemari asi asikwanise kugadziriswa nemamiriro ehupfumi asina kunaka.
- BH: Zvishoma nezvishoma zvakashata - Makambani asinganetseki anotambura uye kuchinja mumusika kunogona kuita kuti vasakwanise kugadzirisa zvinetso zvemari. Makambani aya angave ane dzimwe nzira dzinovabvumira kuvandudza mari yavo.
- B: Yakakosha - Ava makambani vane mukana wakasimba wekusakwanisa kugadzirisa zvisungo zvemari asi vachiri nekana yekuwana mari.
- CCC: Yakakosha - Makambani aya ane simba rakasimba rekusakwanisa kugadzirisa zvinotarisirwa nemari. Makambani akadaro ane avhareji kuchinja kwekuwanazve.
- CC: Inonyanya Kuora - A "CC" inoratidza kuti kambani yehushuwarisi inogona kunge isingakwanisi kusangana nemari inosungirwa kana kubhadhara zvikwereti kune vashandi vayo. Pano pane kuchinja kwepasi-kwemuviri kwekudzikinura kwekambani dzemishuwarisi.
- C: Kushungurudzika - Kuora mwoyo kunoratidza kuti kusagadzikana kwezvemari kwava pedyo nekukwanisa kwakasimba kwekusakwanisa kugadzirisa mitoro yemari. Mikana yekudzorera inoshaya.
Nenguva pfupi
- F1 - Unokwanisa zvikuru kusangana nezvose zvenguva pfupi
- F2 - Unyanzvi hwakanaka hwokubhadhara chero zvikwereti zvemari zvenguva pfupi
- F3 - Makambani aya akaenzana nekwanisa kukwanise kubhadhara zvigaro zvenguva pfupi
- B - Usina simba rekubhadhara chero zvikwereti zvemari
- C - Hachina simba kwenguva pfupi maonero ekutsigira zvikwereti zvemari
Kukosha kweZvitsauko
Kuongorora masangano akadai seFitch Group, AM Best uye Standard & Poor's vashandi vanoita sarudzo dzinonzwisisika zvemari uye vanobatsira vashandi vehurumende kuongorora kugadzikana kwemari kwekambani ye inshuwarisi. Aya maonero haasi echokwadi, asi maonero evanoyanzvi vezvemari vanoshandisa nzira inokosha yekuongorora kukosha kwekambani. Makambani eInishuwarenzi anotarisisa zvakakosha izvi nokuti kukosha kwakanaka kana kusina kunaka kunogona kukanganisa kuvimba kwevatengi. Izvi zvinobatanidza zvakananga kushandiswa kwekambani yakadai sekuti ingani mitemo mitsva yekambani ye inshurensi inogona kunyora.
Contact Information
Kuti uwane iyo Fitch Ratings kana kuti uwane zvakawanda pamusoro pemishumo yaro yetsvakurudzo, shanyira Fitch Ratings website. Iwe unogona kudana nehofisi yeNew York pa (212) 908-0500.