Qhov Tseem Ceeb Qhov txawv - Moody's vs S&P Ratings
Credit rating yog qhov kev ntsuas ntawm kev kwv yees lub peev xwm ntawm ib tug neeg lossis ib lub koom haum kom ua tau raws li lawv cov luag num nyiaj txiag xws li kev them rov qab cov nuj nqis, raws li kev ua lag luam yav dhau los. Qhov no yog ua los ntawm cov koom haum ntsuam xyuas credit uas ntsuas qhov credit tsim nyog ntawm cov neeg siv khoom uas dhau los ua qhov tseem ceeb los ntsuas qhov xav tau ntawm cov neeg ua lag luam poob thaum tsis ua haujlwm. Moody's Investors Service thiab S&P (Standard &Poor's Financial Services) yog ob lub koom haum saib xyuas cov qhab nia saum toj kawg nkaus hauv ntiaj teb tshaj tawm tshaj 1 lab thiab 1.2 lab cov qhab nia zoo raws li. Qhov sib txawv tseem ceeb ntawm Moody's thiab S&P kev ntsuam xyuas yog tias Moody's ratings yog cov qauv ntsuas ntsuas lub tuam txhab siv los ntsuas qhov creditworthiness ntawm cov neeg qiv nyiaj los ntawm Moody's Investors Service whereas S&P ratings yog ib qho zoo sib xws rating system muab los ntawm Standard &Poor's Financial Services.
Moody's Ratings yog dab tsi?
Moody's Investors Service yog ib lub koom haum American credit rating uas yog ib lub koom haum ntawm Moody's Corporation. Cov qauv ntsuas ntsuas ntsuas lub tuam txhab siv los ntsuas qhov creditworthiness ntawm cov neeg qiv nyiaj yog lub npe hu ua Moody's ratings. Moody cov nyiaj tau los tshaj $ 2.1 nphom thiab tau ua haujlwm nyob ib ncig ntawm 1, 252 tus kws tshuaj ntsuam thiab tus saib xyuas los ntsuas qhov creditworthiness ntawm nws cov neeg siv khoom. Moody tus nqi qiv nyiaj ntau nrog rau cov tsev txhab nyiaj thiab lwm lub tuam txhab nyiaj txiag, cov cuab yeej cuab tam, cov nyiaj tau los tas li, cov nyiaj lag luam nyiaj txiag thiab ntau yam cuab yeej xws li tsoomfwv, tuam txhab thiab cov ntawv cog lus hauv nroog.
Daim duab 01: Logo ntawm Moody's Analytics
Creditworthiness yog qhia los ntawm cov cim kev ntaus nqi thiab cuaj lub cim tau teev tseg los ntawm Moody's raws li qhov nce qib ntawm kev pheej hmoo qiv nyiaj (tsawg kawg credit txaus rau siab tshaj qhov kev pheej hmoo credit).
Aaa, Aa, A, Baa, Ba, B, Caa, Ca, C
Cov saum toj no cuaj lub cim tau muab faib ntxiv siv cov lej hloov pauv raws li 1, 2, thiab 3. Ib lub cim sawv cev rau ib pawg ntawm cov qhab nia credit muaj qhov pheej hmoo zoo sib xws.
E.g. Kev pheej hmoo credit ntawm A a 1 thiab A a 2 yog qhov zoo sib xws
| Prime | Rating |
| qib siab | A ib a |
| A 1 | |
| A 2 | |
| A 3 | |
| Qib nruab nrab | A 1 |
| A 2 | |
| A 3 | |
| qib qis nruab nrab | B a 1 |
| B a 2 | |
| B a 3 | |
| Non-investment qib speculative | B a 1 |
| B a 2 | |
| B a 3 | |
| Kev xav siab heev | B 1 |
| B 2 | |
| B 3 | |
| Muaj kev pheej hmoo | C a 1 |
| xov xwm heev | C a 2 |
| Nyob rau hauv lub neej nrog me ntsis kev cia siab rau kev rov qab | C a 3 |
| C a | |
| C a | |
| In default | C |
| / | |
| / |
Table 1: Moody's ratings symbols
S&P Ratings yog dab tsi?
S&P (Standard &Poor's Financial Services) kuj yog ib lub koom haum American credit rating uas muaj cov qauv ntsuas ntsuas raws li qhov kev ntsuas S&P. Lub tuam txhab yog ib lub koom haum ntawm S&P Global. Thaum cov nyiaj tau los tshaj tawm ntawm S&P tshaj $ 2.1 nphom, lub tuam txhab ua haujlwm nyob ib ncig ntawm 1, 416 tus kws tshuaj ntsuam thiab tus saib xyuas. S&P muab cov qhab nia credit rau ntau lub tuam txhab ntiag tug thiab pej xeem nrog rau lwm lub koom haum tsoomfwv
Daim duab 02: Ntiaj teb lub teb chaws Standard &Poor's ratings
S&P teeb meem ob qho tib si luv luv thiab mus sij hawm ntev credit ratings. Cov cim qhab nia qhab nia ntawm S&P yog raws li qhov kev txiav txim hauv qab no.
AAA+, BBB+, CCC+, D
Cov qhab nia qiv yuav raug hloov pauv raws sijhawm raws li kev ntsuas ntawm cov tuam txhab qiv nyiaj.
E.g. Nyob rau lub Plaub Hlis 2016, S&P degraded qhov credit ntsuam xyuas ntawm lub tuam txhab hluav taws xob ExxonMobil los ntawm AAA rau AA + tawm hauv Microsoft thiab Johnson & Johnson tsuas yog ob lub tuam txhab hauv AAA pab koomtes. Qhov no yog qhov kev hloov pauv tseem ceeb txij li ExxonMobil tau tswj hwm kev ntsuas AAA txij li xyoo 1949.
| Prime | Rating |
| qib siab | A A A + |
| A + | |
| A | |
| A -</td | |
| Qib nruab nrab | A + |
| A | |
| A – | |
| qib qis nruab nrab | B B B + |
| B B B | |
| B B B - | |
| Non-investment qib speculative | B B + |
| B B | |
| B B – | |
| Kev xav siab heev | B + |
| B | |
| B- | |
| Muaj kev pheej hmoo | C C C + |
| xov xwm heev | C C |
| Nyob rau hauv lub neej nrog me ntsis kev cia siab rau kev rov qab | C C C - |
| C | |
| C | |
| In default | D |
| D | |
| D |
Table 1: S&P rating symbols
Dab tsi yog qhov Zoo sib xws ntawm Moody's thiab S&P kev ntaus nqi?
Ob Moody's thiab S&P kev ntaus nqi raug txheeb xyuas raws li Nationally Recognized Statistical Rating Organizations (NRSRO) los ntawm US Securities and Exchange Commission (SEC)
Qhov txawv ntawm Moody's thiab S&P kev ntsuas yog dab tsi?
Moody's vs S&P Ratings |
|
| Moody's ratings is the standardized rating scale the company use to assess the creditworthiness of borrowers by Moody's Investors Service. | S&P ratings yog tus qauv ntsuas ntsuas lub tuam txhab siv los ntsuas qhov creditworthiness ntawm cov neeg qiv los ntawm Standard &Poor's Financial Services. |
| Credit Rating Symbols | |
| Credit rating symbols of Moody's are Aaa, Aa, A, Baa, Ba, B, Caa, Ca, C. | AAA+, BBB+, CCC+, D yog cov cim qhab nia ntawm S&P. |
| Nyob zoo S | |
| Moody's muaj 1 lab qhov kev ntaus nqi zoo. | S&P muaj 1.2 lab qhov kev ntaus nqi zoo. |
Summary – Moody's and S&P Ratings
Qhov sib txawv ntawm Moody's thiab S&P kev ntaus nqi feem ntau nyob ntawm lub tuam txhab nyiaj txiag uas qhov kev ntsuam xyuas tau muab. Ob leeg muaj cov cim ntsuas sib txawv, ua rau nws yooj yim dua kom paub qhov txawv ntawm ob hom kev ntaus nqi. Cov tuam txhab uas nrhiav kom tau txais qhov qhab nia credit tuaj yeem xaiv Moody's lossis S&P raws li kev txiav txim siab. Txawm li cas los xij, thaum tseem ceeb hauv kev ntsuam xyuas qhov creditworthiness, cov kev ntsuas no tsis muaj txiaj ntsig los lav cov neeg qiv nyiaj yav tom ntej kom ua tau raws li kev lav phib xaub nyiaj txiag txij li kev ntsuam xyuas raws li cov ntaub ntawv yav dhau los, yog li yuav tsum tsis txhob siv los ua lub hauv paus rau kev txiav txim siab peev.
Download PDF Version of Moody's vs S&P Ratings
Koj tuaj yeem rub tawm PDF version ntawm kab lus no thiab siv nws rau offline hom phiaj raws li cov ntawv sau tseg. Thov download PDF version ntawm no Qhov txawv ntawm Moody's thiab S&P Ratings.
