The classification of credit evaluation includes AAA, AA, A, B and C. The basic characteristics of credit evaluation are independence, systematicness, marketization, legitimacy, reliability, impartiality and negotiation.
The classification of credit evaluation is: AAA: the ability to repay debts is extremely strong, basically unaffected by the adverse economic environment, and the risk of default is extremely low. AA level: strong solvency, less affected by adverse economic environment and low default risk. Grade A: Strong solvency, vulnerable to adverse economic environment and low default risk.
BBB grade: average solvency, greatly affected by unfavorable economic environment, and average default risk. Class BB: weak solvency, greatly influenced by unfavorable economic environment, and high default risk. Grade B: The ability to repay debts depends largely on a good economic environment, and the risk of default is high.
Basic characteristics of credit evaluation
1, independent. The experience of developed countries shows that credit evaluation should be independently conducted by a neutral evaluation agency with legal personality.
2. Marketability. All kinds of enterprises and securities are operated and used under the conditions of market economy, and their operation and use are closely related to the operation of market economy.
3. systematize. Credit evaluation is a systematic project.
4. legitimacy. Credit evaluation must abide by the relevant laws and regulations of the state.
5. Reliability. Reliability is the basic creed that must be adhered to to to ensure the quality of credit evaluation.