Inkonzo yabatyali beMoody

Uhlalutyo oluchanekileyo lweMatyala

Ukulinganiswa kwamandla emandla angqongqo kungenza umehluko kumandla eenkampani zomshuwalense ukuhlawula amabango, faka iimarike ezintsha okanye wandise umrhumo wemveliso yomshuwalense. Xa ukhetha inkampani yomshuwalense, ufuna inkampani engenza kakuhle ngoku ngoku, kodwa nakwixesha elizayo. Le yilapho imibutho yenkampani yomshuwalense inokudlala indima. Inkonzo ye-inshorensi yemibutho ibheka izinto ezininzi ekunqumeni amandla enkampani njengemali-mali, iindawo zokugcina kunye nephepha lokulinganisela kwenkampani kunye nezinye izinto.

Iinkampani ezinomlinganiselo ophezulu wezemali ziba nethuba eliphantsi lokungaphumeleli kwaye unokuziva uzikhusele ngokushishino lwakho apho. Enye yezona nkampani ezisezona zinto ziyaziwa yi-inshorensi ye-inshorensi yi-Moody's Investors Service.

Imbali Yenkampani

Inkonzo ye-Moody's Investors yinkxaso ye-Moody's Corporation kwaye inikezela ukulinganiswa kwekhredithi, uphando kunye nokuhlalutya ingozi. Le nkampani yayibizwa ngokuba yi-Moody's Analyzes Publishing Inkampani kwaye yasungulwa ngo-1909 nguJohn Moody. Inkampani ekuqaleni ivelise inani lempahla kunye neebhondi kunye nokulinganiswa kwezibophelelo. UJohn Moody uqatshelwa nje ngokuba ngumvelisi weekhredithi zebhanki zanamhlanje. Ngowe-1975, uMoody waqashelwa yiKhomishini ye- Securities and Exchange Exchange njenge-National Awareness Statement. U-Moody wayephethwe nguDun & Bradstreet kodwa waba yinto ehlukeneyo ngo-2000. Ikomkhulu lifumaneka kwi-7 yeZorhwebo, iNew York City.

Iinkonzo ze-Moody's Investors Services zinokubakhona kumazwe anama-115 emhlabeni jikelele.

Inkqubo yoHlolo lweMoody

Ukuze kuveliswe ukulinganiswa kwamandla okuchanekileyo emali, uMoody usebenzisa inkqubo yokwenza iinkcukacha ngokubanzi:

• Ulwazi luhlanganiselwe ukuvavanya umngcipheko kubakho-mali kunye nalabo abatyala imali
• Abahlalutyi bahlangana kunye nokuchonga ukulinganiswa okufanelekileyo

• Abahlalutyi baqwalasela ukhuseleko ukuze baqinisekise ukuba nayiphi na imilinganiselo kufuneka ifatshintshwe
• Abahlalutyi bazisa i-marketplace ye-Moody rating kwenkampani

Ukulinganiswa kwezeMali zikaMoody

Ukulinganiswa kwamandla omali kaMoody kulinganisa ukuthengwa kwemali kwenkampani. Oku kubhekisela kumntu we-inshurensi ukukwazi ukuhlawula amatyala kunye neengxelo ze-inshurensi kunye nokulahlekelwa yintoni na ilahleko ezinokulindelwa xa kwenzeka ukuba inkampani ingafani. U-Moody unikezela ukulinganisa okungafaniyo ukusuka ku-Aaa ukuya kwi-C kunye ne-Aaa ukuphakama kwamandla angaphezulu. Nantsi uluhlu olupheleleyo lweemali zokulinganiswa kwemali kaMoody:

• I-Aaa : Isilinganiselo esiphakamileyo kakhulu ngeyona mngcipheko we-credit
• Aa1, Aa2, Aa3 : Umgangatho ophezulu kunye nobungozi obuphantsi kakhulu bekhredithi
• I-A1, A2, A3 : Ibanga lokuphakama eliphezulu kunye neengozi ezincinci zemboleko
• Baa1, Baa2, Baa3 : Ezi zilinganiso ziphakathi kwebanga. Ezinye izinto zingaba khona eziza kuba ngumngcipheko weekhredithi.
• Ba1, Ba2, Ba3 : Ezi nkampani zinemiba enokubangela ingozi enkulu
• B1, B2, B3 : Ingozi enkulu yekhredithi
• Caa1, Caa2, Caa3 : Yagwetywa njengehlwempuze ngengozi enkulu yesikweletu
• Ca : Olu hlobo luchaza inkampani isondele ekungagqibekanga kodwa isenokuba nethuba lokufumana kwakhona
• C : Olu lulinganiselo oluphantsi kakhulu olunikezwa nguMoody kwaye lithetha ukuba inkampani ingekho phantsi kwithuba elincinane lokubuyisela.

Ukulinganisa i-Aaa - i-Baa3 ithathwa njengongundoqo kwaye idilizwe ngale ndlela:

Ukongezelela kokulinganisa, iinkampani ziyahlukana ngokwengeziwe "kwiNdunankulu" kwaye "ayiyiyo inqununu." Amanqanaba amabakala Aaa - Baa3 abhekwa njengongundoqo. Iinkampani zilinganisela iBa1 - C ngamabakala anqabileyo kwaye ayicatshangelwa ukuba ayinakuqala. Nantsi ukuphazamiseka okuqhubekayo kokubaluleka kokuqala kunye nokungabikho kwamanani.

• I-Prime-1 : Ukulinganiswa kwe-Aaa-Aa3 - Ezi nkampani zomshuwalense zibhekwa njengezona ziqine kakhulu ngemali kunye nekhono elikhulu lokuhlawula ityala lexeshana elifutshane.
• I-Prime-1 / iNdunankulu-2 : Ukulinganiswa kwe-A1 - A3 - Iinkampani zomshuwalense ezinokubaluleka kwamandla emali zinokukwazi ukuhlawula iitalente zesikhashana.
• Inqununu-2 : Baa1 - Amandla amakhulu okubuyisela ityala lexeshana elifutshane
• I-Prime-2 / iNdunankulu-3 : iBaa2 kunye ne-Baa3 - Amandla okuhlawula ityala lesigqityiba elifutshane liyamkeleka
• Akuyiyo inkulu: Ba1 - C

Ngaphantsi

Njengoko uyakubona, ukuhlalutya kukaMody's creditworthiness kuchaneke kakhulu.

Unokuqiniseka ukuba iinkampani ze-inshorensi ezidlula iimvavanyo kunye no-Moody kwaye ziza kunye neziphumo eziphezulu zifakwe phantsi kwe-microscope. Inkonzo ye-Moody's Investors Service inikezela abathengi ithuba lokujonga bhetele indlela inkampani yomshuwalense eyenziwa ngayo ngemali. Kufuneka ukwazi nje kuphela indlela inkampani yakho yomshuwalense eqhuba ngayo ngoku kodwa kunye neembono zexesha elide. UMoody wenza umsebenzi obalaseleyo ekuncedeni abathengi bafumane inkampani yomshuwalense ozinzileyo. Ezinye iinkampani ze-inshorensi ezinika iinkonzo ezinxulumene nazo zibandakanya: AM Eyona Mgangatho , ama- Fitch Ratings kunye neeNqanaba eziPhezulu kunye nabaninzi kunye nabanye. Ukufumana okungakumbi malunga nokusebenzisa iinkonzo ze-Moody's rating; unokutyelela kwiwebhusayithi ye-Moody's Investors Service, okanye ubize i-1-212-553-1653.