Kunyatsorondedzera Kuongorora Kwekwereti
Makambani ane nheyo yakasimba yezvemari kazhinji ane mukana muduku wekukundikana uye iwe unogona kunzwa wakachengeteka kuisa bhizinesi rako ipapo. Rimwe remasangano makuru ehurumende yehushuwarenzi ndiyo Moody's Investors Service.
History History
Moody's Investors Service inobatsira yaMoody's Corporation uye inopa zvikwereti zvekwereti, tsvakurudzo uye kuongororwa kwengozi. Kambani iyi yakatanga kunzi Moody's Analyzes Publishing Company uye yakavakwa muna 1909 naJohn Moody. Iko kambani yakatanga kubudisa mazita ezvitoro uye zvisungo pamwe nesungo ratings. John Moody anozivikanwa semuumbi wezvikwereti zvemazuva ano zvikwereti. Muna 1975, Moody's yakagamuchirwa neUnited States Securities and Exchange Commission seNyika Yakanzwisiswa Statistical Rating Organisation. Moody aimbova neDun & Bradstreet asi akazova nhengo yakasiyana muna 2000. Imba iyi iri paHorld Trade Center, New York City.
Moody's Investors Services ane unhu mune dzimwe nyika dzinopfuura 115 pasi pose.
Moody's Analysis Process
Kuti zvive nehutano hwakakwana hwekushaya mari, Moody ari kushandisa tsanangudzo yekunyatsoongorora:
- Mashoko akaunganidzwa kuti aongorore dambudziko kune iye zvino uye vanotarisira mari
- Vanoongorora vanosangana uye vanoona zvakakodzera
- Vatsoropodzi vanoona kuchengeteka kuti vasarudze kana humwe huwandu hunofanira kuchinjwa
- Vatsoropodzi vanoudza pamusika wekodzero yeMoody kune kambani
Moody's Financial Strength Ratings
Moody's energy strength ratings measure measurement creditworthiness. Izvi zvinosangana nekambani yeInishuwarensi yekukwanisa kubhadhara zvikwereti uye kudaidzwa kweinishuwarenzi pamwe nekurasikirwa kupi kunogona kutarisirwa kana chiitiko chikafa. Moody's inopa zviyero zvakasiyana kubva paAaa kusvika C neAaa yepamusoro-soro simba rekushaya mari. Heino mutsara wakazara weMoyody's energy strength ratings:
- Aaa : Chikwata chepamusoro-soro nechepasi pasi rose chekwereti
- Aa1, Aa2, Aa3 : Mhando yepamusoro ine ngozi yakawanda yekwereti yechikwereti
- A1, A2, A3 : Ipamusoro-grade grade grade uye ine chikwereti chinokonzera chikwereti
- Baa1, Baa2, Bhaa3 : Izvi zvikwanganiso zvinowanikwa mukati. Zvimwe zvinhu zvinogona kuvapo izvo zvichaita kuti kuve nekodzero yemari yechikwereti.
- Ba1, Ba2, Ba3 : Makambani aya ane zvinhu zvinokonzera kukanganisa zvikwereti
- B1, B2, B3 : High credit risk
- Caa1, Caa2, Caa3 : Kutongwa sevarombo vane dambudziko rakakura kwazvo rechikwereti
- Ca : Izvi zvinoreva kambani iri pedyo nekusara asi inogona kunge iine mukana wekuwanazve
- C : Iyi ndiyo yepamusoro yepamusoro inopiwa naMoody's uye inoreva kuti kambani inenge isisina nguva yakawanda yekuwanazve.
Mitsara Aaa - Baa3 inofanirwa kutariswa uye inoputsika seizvi:
Mukuwedzera kune kuongororwa, makambani anowedzera kuparadzaniswa kuva "Prime" uye "Not Prime." Rating mahara Aaa - Baa3 anotorwa sewokutanga. Makambani akaratidzira Ba1 - C mavhesi ekufungidzira uye haafaniri kutaridzika. Heano humwe humwe hutsika hwekutanga uye kwete-huwandu hwekuverengwa.
- Prime-1 : Kuyera Aaa-Aa3 - Makambani einishuwarenzi anoonekwa sewo akasimba pane mari uye ane simba guru rekubhadhara chikwereti kwenguva pfupi.
- Prime-1 / Prime-2 : Kuenzanisa A1 - A3 - Makambani eInishuwarenzi ane zvikwereti zvesimba zvemari ichi ane unyanzvi hwekubhadhara chikwereti kwenguva pfupi.
- Prime-2 : Baa1 - Simba rakasimba rekuripira chikwereti chine nguva pfupi
- Prime-2 / Prime-3 : Baa2 uye Baa3 - Kugona kubhadhara chikwereti kwenguva pfupi kunogamuchirwa
- Kwete Prime : Ba1 - C
The Bottom Line
Sezvaunogona kuona, kuongorora kwaMoody kwekwerekodhi kunonyatsotsanangurwa.
Iwe unogona kuva nechokwadi kuti makambani einishuwarenzi ayo anopfuura miedzo naMoody uye anouya neanonyanya kukoshesa akaiswa pasi pe microscope. Moody's Investors Service inopa vatengi mukana wekuona kutarisana kwekuti kambani yemishuwarenzi iri kuita sei mari. Iwe haufaniri kuziva hako chete kuti inishuwarenzi yako iri kuita sei ikozvino asiwo yakareba kwenguva yakareba. Moody's unoita basa rakanaka mukubatsira vatengi kuwana kambani yehu inshurensi yakasimba. Mamwe masangano emishuwarenzi anopa zvienzanidzo zvinosanganisira: AM Best , Fitch Ratings uye Standard uye Varombo uye nevamwe vakawanda. Kuti uwane zvakawanda nezvekushandisa maonero ehutano hweMoody; unogona kushanyira webhusaiti yeMoody's Investors Service, kana kudana 1-212-553-1653.