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所在平台: Udemy |
课程主页: https://www.udemy.com/course/credit-ratings-practices-and-methodologies/
课程评论：没有评论
**课程总结：信用评级实务与方法论** 本课程深入探讨了信用评级行业的核心实践和方法论，旨在帮助学习者理解信用研究分析师在评估个人或机构偿债能力方面的关键作用。 **课程要点：** * **信用研究分析师的角色：** 信用研究分析师是金融领域的专业人士，他们负责评估借款人（无论是个人还是企业）的信用状况。这项工作涉及分析借款人的财务历史、当前财务状况，以确定其履行财务义务和偿还贷款的可能性。 * **信用分析的流程：** 课程详细介绍了信用分析师如何进行基础的信用分析，这通常包括对公司债券、固定收益产品等的分析。具体来说，会涉及到财务报表的解读、行业概览的分析，以及构建财务模型和进行相对价值分析。 * **分析师的支持作用：** 信用研究分析师在投资组合管理中扮演着至关重要的支持角色。他们需要搜集信息、创建模型，并与交易员、投资者、销售等方面的人员建立和维护良好的关系，为投资决策提供关键依据。 * **风险管理的核心：** 信用研究工作的本质在于风险管理。分析师需要深入理解潜在的风险，并探索规避和应对这些风险的策略。此外，分析师还应关注与信贷相关的法律活动。 * **信用评级的作用：** 课程解释了信用评级机构如何使用一套评级体系来衡量借款人的信用风险，并预测其按时履行债务义务的可能性。评级对象可以是个人、企业、州政府或主权国家。 * **评级的意义：** 信用评级本身并不直接告诉投资者是否应该购买某一债券，但它是投资者在做出投资决策前必须考量的最重要参数之一。评级反映了借款人当前的信用状况，并预测了未来事件对信用风险的影响。 总而言之，本课程全面介绍了信用评级行业的运作机制、分析师的职责以及信用评级在金融市场中的重要作用。
When an individual or any firm needs money, it approaches the lender whose job is to examine whether lending money to that borrower will be safe, i.e., whether the borrower will be able to repay the money or go bankrupt. So, the professional performing this analysis activity is called a credit research analyst. In technical terms, a credit research analyst is a finance professional proficient in evaluating an individual's or business's creditworthiness. Based on the borrower's financial history and current situation, a credit research analyst determines the likelihood that a borrower will be able to meet the financial obligations and repay the loan.Credit analyst performs fundamental credit analysis in a corporate bond, fixed income, and many others. This involves analysis of financial statements and industry overviews. An analyst also provides critical support to portfolio managers. He has to search and collect material, create financial models, and also perform relative value analysis.They have to handle relationships with traders, investors, salespeople, etc.Overall, they undertake the risk assessment analysis of lending proposals.The role of credit research analyst/credit research analyst evolved around risk management, where he has to understand the risks and find out the ways to overcome these risks.Credit research analyst/credit research analyst jobs are also expected to remain informed about legal activities.Creditors 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.
