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所在平台: Udemy |
课程主页: https://www.udemy.com/course/credit-ratings-of-banks-beginners-course/
课程评论：没有评论
**Coursera 课程总结：银行信用评级 - 入门课程** 本课程旨在为初学者介绍银行信用评级的基本概念和关键考量因素。课程通过实际案例和插图，深入浅出地讲解以下内容： 1. **信用评级是什么** * 信用评级是评估个人或机构偿还债务能力的标准。 * 信用评级机构通过一个评分体系来评估发行人（个人、企业、国家或政府）的信用风险。 * 信用评级是投资者在债券投资前需要考虑的重要参数之一，它反映了当前的财务状况以及未来事件对信贷风险的影响。 2. **银行信用评级的考量因素** * **资产质量 (Asset Quality)** * **盈利能力 (Profitability)** * **资本充足率 (Capitalization)** * **融资与流动性 (Funding and Liquidity)** * **经济背景 (Economy)** * **规模与市场份额 (Size and Market Share)** 3. **可能导致信用评级突然变化的原因** * 信用评级并非一成不变，会随着发行人信用质量的变化而调整。 * 例如，未预见的科技发展可能对公司财务产生负面影响，从而导致信用评级被下调。 本课程通过结构化的讲解和丰富的实例，帮助学习者理解银行信用评级的重要性及其背后的复杂考量。
Through these tutorials we shall brush upon the very basics of credit ratings of bank and the various factors considered in the same. The training has been taken with the help of practical illustrations and examples to understand the topics better.The training will include the following;1. What are credit ratings2. Factors to consider for credit rating of banksAsset QualityProfitabilityCapitalizationFunding and LiquidityEconomySize and Market Share3. What can lead to sudden rating changeCreditors use a credit score rating scale to assess an individual's creditworthiness, i.e., a person's likelihood of whether the company can pay the debt obligation fully on time. Different credit rating agencies provide credit ratings. A rating is given to any issuer, i.e., an individual, corporate, state, or sovereign government seeking to borrow the money. The rating does not say whether an investor should really buy that bond, but it is just one of the most important parameters an investor should consider before investing in any bond. A rating suggests both the present situation and the impact of future events on credit risk. Credit ratings are not constant. They keep changing from time to time as the credit quality of an issue or issuer alters in ways that were not expected when a rating was assigned. For example, consider a new technology that was not expected, which was not considered while assigning a rating to a company. This new technology might lead to a negative impact on the financials of the company. This may impact the downgrading of the current rating.
