S&P : What Are Rating Criteria?

What Are Rating Criteria?

We use the term “criteria” generically to refer to the whole body of written guidance for our assignment of credit ratings. Such guidance includes a discussion of quantitative and qualitative elements, analytical methodologies, and assumptions that we use in the ratings process to produce our rating opinions. Our criteria may be global, regional, or local in scope, or apply to one or more industries, asset classes, or other subject areas. We refer to this body of guidance as “criteria.” Our rating committees assign ratings based on the application of criteria to the circumstances of an individual issuer or issue. Criteria provide general guidelines and tools to analyze risks that are common to a sector, region, asset class, or other subject area. We publish criteria on our public website to be transparent to the marketplace. In this article, we explain the different types of criteria, how we label them, and our criteria proces



The Association of International Wealth Management of India (AIWMI) is a not-for-profit organization and a globally recognized membership association for finance professionals. AIWMI primarily focuses on the broad and strategic role of developing a more robust and forward-looking training infrastructure for the financial services sector and to promote more active industry involvement and collaboration in training and continuing education. AIWMI is offering advanced international certification programs along with a wide variety of high-quality executive education programs. AIWMI programs combine state-of-the-art knowledge and skills with practical experience and insights into the functioning of the financial sector. All AIWMI courses and educational events have an intense and pragmatic curriculum. Participants are exposed to the latest developments within the financial services sector. AIWMI plays a key role in guiding the development of the financial services sector. AIWMI works with key industry participants’ viz. the Government, the Regulators, the Industries/Associations, the Corporate, the Media and the General Public to achieve its objectives. Besides enhancing technical competence and professionalism in the industry, AIWMI organizes events and facilitates discussions to promote best practices in leadership and talent development in the financial sector with an aim to become Asia’s premier center of excellence for financial education.

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