Inkcazo yeNkampani
Inkcazo yeNkampani
Ukulinganiswa kwe-Fitch kuyingxenye yeQela le-Fitch kwaye lihlanganiswe yi-Hearst Corporation kunye ne-Fimalac, SA Inkampani yasungulwa nguJohn Knowles Fitch ngowe-1913 kwaye ihlala kwiNew York City. Ukulinganiswa kwe-Fitch kuthatha ukwahlukana kokuba yinkampani yokuqala yokulinganisela ukuphuhlisa "AAA" kwi-"D "yokulinganisa kwemali. Kukho ama-ofisi angama-50 emhlabeni wonke kunye nabasebenzi abangaphezulu kwama-2,000. Ukongezelela ekunikeni ukulinganiswa kweentengo zemali kwiinkampani zomshuwalense kunye neminye imibutho yezemali, kuqhuba uphando lweemarike kubalulekile kubatyalomali nakwezinye iingcali zemali.
Ingaba isebenza kanjani
IQela lokuBaluleka kweFitch isebenzisa imigaqo-nkqubo eyahlukileyo yokuphuhlisa ukulinganiswa kweenkampani zomshuwalense. Ezinye zezinto ezizibandakanya ziquka isitayela sokulawula, ukunyuka kwezoqoqosho kunye nokusebenza kwimbali yenkampani yinshuwalense. Kwakhona isebenzisa idatha eqokelelwe kwiinkampani ze-inshorensi, phantsi kweengxelo kunye neengxelo zemali zikawonkewonke.
Ukulinganisa umlinganiselo wekhredithi kunye nekhono lenkampani lokubuyisela amatyala alo. Indawo yokuthengisa i-inshurensi ayinakulinganiswa kwaye ukulinganiswa kweenkampani zomshuwalense kuya kutshintshwa ukususela kunyaka ukuya kwesinye.
Ukulinganiswa kweFitch
Ukulinganiswa kwe-Fitch kwiinkampani zomshuwalense zikwahlula kwixesha elide kunye nexesha elifutshane. Ukuba inkampani yomshuwalense ibhalwe "ngokungabalwa" oku kuthetha ukuba ukulinganisa ama-Fitch akugqibile ukuvavanya kwezimali ngokupheleleyo kwintlangano.
Udibaniso (+) okanye unciphise (-) angabelwa ukuba abonise ukuhlukana kunye neentlobo zokulinganisa. Oku kulandelayo ukuphazamiseka kweenkcazo zokulinganisela:
Izilinganiso zexesha elide
- I-AAA: Ngaphandle kwomelele - Le yinqanaba eliphezulu elibelwe yi-Fitch. Iinkampani ezinokulinganiswa zinamandla anamandla okuhlangabezana neembopheleleko zemali kunye nomgaqo-nkqubo. Le mibutho ayiyi kuhluthwa kakubi ngeemeko zoqoqosho.
- I-AA: Inamandla kakhulu - Iinkampani zilindeleke ukuba zenze kakuhle kwaye ziqhubeke nokuhlangabezana neembopheleleko zemali. Kwakhona, ezi nkampani aziyi kuphazamiseka kakubi ngeemeko zoqoqosho.
- A: Amandla - Iinkampani ezinomxholo othi "Unamandla" kulindeleke ukuba zenze kakuhle kwaye zihlangabezane nazo zonke iimbopheleleko zemali nangona zinokuthi zingaphumelele ekuhlahleni kwezomnotho kunye nemeko yeemarike kuneenkampani zomshuwalense eziphezulu.
- I-BBB: Efanelekileyo - Olu hlobo lubonisa iinkampani zomshuwalense okwangoku zidibana nazo zonke iimbopheleleko zomgaqo-nkqubo kunye nezemali kodwa zinokuchaphazela imeko yezoqoqosho.
- BB: Ngokuncincileyo buthathaka - Iinkampani ezibuthathaka kakhulu zithinteka kwaye utshintsho kwiimarike lunokubenza bangakwazi ukuhlangabezana neembopheleleko zemali. Ezi nkampani zinokuthi zinezinye iindlela ezivumela ukuba ziphucule imeko yazo yezemali.
- B: Ubuthathaka - Ezi nkampani zinethuba elinamandla lokuba lingakwazi ukuhlangabezana neembopheleleko zemali kodwa linalo ithuba lokufumana imali.
- I-CCC: Inqongophala kakhulu - Ezi nkampani zinokuba namandla okunzima ukuhlangabezana neembopheleleko zemali. Ezi nkampani zinokutshintshwa kwenguqu yokuphucula.
- I-CC: Inzima kakhulu - I-"CC" ibonisa ukuba inkampani yomshuwalense ayikwazi ukuhlangabezana neembopheleleko zemali okanye ukuhlawula amabango kubaphathi bayo. Kukho utshintsho olungaphantsi kwe-avareji yokubuyiswa kwezi nkampani zomshuwalense.
- C: Ukuxinezeleka-Inkalo ecinezelekileyo ibonisa ukungazinzi kwemali kusondele ukuba kunokwenzeka ukuba awukwazi ukuhlangabezana neembopheleleko zemali. Amathuba okubuyisela ahluphekile.
Ukulinganisa kwexesha elifutshane
- F1 - Unakho kakhulu ukuhlangabezana nazo zonke iimbopheleleko zexeshana
- F2 - Ukwazi ukuhlawula nayiphi na imbopheleleko yezemali ezifutshane
- F3 - Ezi nkampani zilinganiswa ngokwaneleyo ukukwazi ukuhlawula iimbopheleleko zexesha elifutshane
- B - Ukwazi ukuhlawula nayiphi na imbopheleleko yemali
- C - Ubuthathathaka obuthathatyathwa kwexesha elifutshane lokuxhasa izibophelelo zemali
Ukubaluleka kokulinganisa
Imibutho yokulinganisa efana neQela le-Fitch, i- AM Best Best and Standard & Poor's helpors investors yenza izigqibo eziphathekayo zezezimali kwaye bancede abanomgaqo-nkqubo bahlalutye ukuzinza kwemali kwinkampani yomshuwalense. Ezi zilinganiso aziyiyo iinyani, kodwa iingcamango zeengcali zemali ezifanelekileyo ezisetyenziselwa iimvavanyo zokubaluleka ukuba zihlole i-credit-worthiness. Iinkampani ze-inshurensi zijonge ngokukhawuleza ezi zilinganiso kuba ukulinganisa okulungileyo okanye okubi kunokuchaphazela ukuzithemba kwabathengi. Oku kuhamba ngokuthe ngqo kwi-profit benefit yenkampani enjengale nkqubo emitsha kwinkampani yomshuwalense inokubhala.
Iinkcukacha zoqhakamshelwano
Ukufikelela ukulinganisa kwe-Fitch okanye ukufumana okungakumbi malunga neengxelo zalo zophando, tyelela iwebhusayithi ye-Fitch Ratings. Ungabiza iofisi yaseNew York kwi (212) 908-0500.