Inkcazo yeNkampani
I-Standard & Poor's Financial Services LLC yinkxaso yenkampani ye-McGraw-Hill kunye nenkokeli yehlabathi kwiinkonzo zenkonzo zezimali.
Inkampani yasungulwa ngowe-1860 nguHenry Varnum Ohluphekileyo. UMnu Poor wayengumvulindlela kwimveliso yecandelo lemali. Amashishini kuwo wonke umhlaba abheka kwi-Standard & Poor's for intelligence market. Inkampani inikeza ukulinganiswa kweekhredithi ezizimeleyo, uphando lotyalo-mali , idatha yenkcazo kunye nokuhlolwa kwengozi. I-Standard & Poor's ineendawo ezingaphezulu kwamazwe angama-20 kwaye ihlala kwiSixeko saseNew York. Ikampani isebenzisa ngaphezu kwe-10 000 kwaye ineniso engaphezulu kwama-2 billion.
Ingaba isebenza kanjani
I-Standard & Poor's isilinganisi esetyenziswa ngabatyalo-zimali kunye nabanye abathathi-nxaxheba beemarike emhlabeni jikelele ukulinganisa ukufaneleka kwekhredithi yenkampani. Olu lwazi aluncedo kuphela kubaphathi-mali kunye nabaphathi beengozi, kodwa kunokukunceda ukuba uqiniseke ukuzinza kwemali yenkampani yinshurensi kwaye ikunike ulwazi oluyidingayo xa uthelekisa ukukhutshwa kwe-inshorensi nokuthenga umgaqo-nkqubo we-inshurensi. Oku kubalulekile ulwazi, njengoko ufuna ukwazi inkampani yakho ye-inshorensi ifaneleke kakuhle ngemali kwaye iya kuba ngeenxa zonke xa uyayidinga.
Xa i-Standard & Poor ihlola inkampani yomshuwalense, ibheka ubuchule bokubuyisela abathengi kunye nawaphi na amabango, indlela inkampani eyenza ngayo xa kuthelekiswa nezinye iinkampani zomshuwalense, isitayela sokulawula, i-capital and earnings kunye nezinye izinto. Unokufumana ukulinganisa kwe-Standard & Poor yeenkampani ezininzi ze-inshorensi kunye nemveliso kuquka:
- Bond
- Ubomi / zeMpilo
- Ipropati / UkuShatyalaliswa
- Ukuqinisekiswa / ukuKhetheka
Ukulinganisa okuMgangatho kunye nokuPhepha
Izilinganiso eziMgangatho & eziPhuphayo zikhutshwa ngamabakala eencwadi ukusuka kwi-AAA ukuya ku-D.. Ezi zilinganiso zibonisa ukulinganiswa kwemali yenkampani. Nantsi inkcazo emfutshane yokulinganisa iileta kunye noko bathethayo:
- "I-AAA" - Le yinqanaba eliphezulu kwaye ithetha ukuba inkampani inomsebenzi onamandla kwaye iyakwazi ukuhlawula zonke iitalato.
- "AA" - Olu lululo liseqine kakhulu, lubonisa ukuba inkampani yenza kakuhle ngemali.
- "A" - I-"A" ibonisa ubungqina obuqinileyo kwinkampani ukuhlangabezana nezibophelelo zayo zemali.
- "BBB" - Ukusebenza ngokwaneleyo kwemali kodwa kunokuchaphazeleka kakubi ngokuhla kwezomnotho
- "BBB-" - Eli nqanaba li-bakala eliphantsi kakhulu eliya kuqwalaselwa ngabatyalomali
- "BB +" - Ibakala elichanekileyo, lingabhekana neemeko zentengiso ezibi
- "BB" - Eli bakala libonisa inkampani enokungaqiniseki kwangexesha elide, nangona imeko yezoqoqosho ikhoyo ingenelisekile
- "B" - I-B "rating" ibonisa inkampani okwangoku idibana nezibophelelo zezemali kodwa ikhuselekileyo kwiimeko zezoqoqosho ezingaqinisekanga.
- "ICCC" - Imeko yezemali enoxhatshazo
- "CC" - kakhulu yingozi
- "C" - Oku kwakhona kusengozini kakhulu (i-Standard & Poor ithi ezinye iinkalo ezichaphazelekayo kule nkcazo kodwa zinganiki iinkcukacha ezithile.)
- "D" -Ikhampani isenzelwe izibophelelo zezemali
Ziziphi iingqinisiso ezibhekiselele kwiinkampani zamashurensi
I-Standard & & Poor rating, imilinganiselo enye kwinkampani yenkampani yinshurensi ngokukodwa, ukufaneleka kwayo. Iinkampani zomshuwalense zithatha i-Standard & Poor rating ngokubhekiselele phezulu kunye nezilinganiso ezivela kwezinye iinkampani zemali ezifana ne- AM Best . Ukuba ukulinganisa kubonisa ukuba inkampani iqhuba kakubi ngokwezemali, ukuzithemba kwabathengi kungashukunyiswa. Ukulinganiswa kwemali-mboleko akuyiyo inzululwazi kunye nenkcazo yenkampani inokutshintsha, nangaphezulu kwexesha leminyaka embalwa nje. Kukho izinto ezininzi ezinokubangela ukuba ireyithi yenkampani ye-inshorensi yokulinganiswa kwetyala idibeneyo kubandakanywa:
- Ukwehla koqoqosho
- I-mncinci-mngxininiso webhishini lokugxila
- Imiba yetyala
- Ukutshintsha kwemozulu yoshishino
- Iinguqu zolawulo
Iinkcukacha zoqhakamshelwano
Ukufumana ulwazi oluthe xaxa malunga nokulinganisa okuMgangatho kunye nokuPhepha, ungavakashela iWebhsayithi yeSigqeba kunye neNyango.
Ukuze ufike kwi-ofisi yekomkhulu lase-US, ungabiza u-212-438-2000.