Corporate Kiredhiti Zvikoro

Kana muridzi webhizinesi angonzwisisa kukosha kwekusimbisa nekuchengetedza Corporate Kiredhiti Mbiri, zvinobva zvave zvakakosha kuti unzwisise kuti mashandiro eprofile aya anoonekwa sei uye nekukosheswa neakasiyana masangano ekuzivisa. Izvi zvakakosha kuitira kuti muridzi webhizinesi awane nzira dzekuvandudza chimiro chekambani yake uye nekudaro kukwereta uye kubudirira. Kunyangwe mazhinji emasangano aya nemasangano achiteedzera zvakafanana kuzivisa uye kuunganidza nhungamiro, iwo ese ane yakasarudzika, nzira yekudyara inoda kutariswa.

Dun & Bradstreet (D & B ™)

D & B ™ ine hombe dhatabhesi yemaprofiles echikwereti pamamirioni emakambani - ingangove iri inowanzo shumwa-sangano kana zvasvika pakutsvaga bhizinesi kana yemakambani makadhi ratings. D&B inoshandisa nzira yakasarudzika kumatanho emabhizimusi aya anosanganisira yekodhi ye "Paydex" manhamba ekuti chikwereti chiitwe, pamwe nehurumende, uye nehurumende yepasi rose inozivikanwa "DUNS" system (Data Universal Kuverenga Sisitimu) iri yakasarudzika kwazvo, uye inoshanda, nzira yekuisa kambani. Iyo Paydex sisitimu inosanganisa nhoroondo yekubhadhara, uye zvazvino ekubhadhara-zvekare kugona kupa chiyero chekuverenga. Pamusoro peiyo Paydex mamaki, D&B inoshandisa zvakare yakapusa 1 kusvika ku4 chikwereti chehurongwa. Chinyorwa pazasi ndicho chiyero chePaydex:

chibozwa	mubhadharo
100	Fungidzira
90	dhisikaundi
80	Kukurumidza
70	Inononoka kusvika gumi neshanu
50	Inononoka kusvika gumi neshanu
40	Inononoka kusvika gumi neshanu
30	Inononoka kusvika gumi neshanu
20	Inononoka kusvika gumi neshanu
UN	Hazviwaniki

Yakadzika & Varombo

Standard & Varombo's, inozivikanwawo se "S&P" makambani emitero pachiyero kubva kuAAA kuburikidza naD, iine "NR" kumakambani ari nyowani kana kuti asati averengwa. Pane zviyero pakati pegiredhi rega rega zvinoratidza chinzvimbo pakati peiyo giredhi. Uye zvakare, nguva zhinji S & P ichapawo pfungwa kana chirevo chine ruzivo chinozivikanwa navo se "kiredhiti wachi" iyo inoratidza kana paine shanduko iri kuuya muyero. Iyo kiredhiti wachi inogona kureva iyo inogona kukwidziridzwa, kudzikisira, kana kufungidzira kumwe kusava nechokwadi. Chiyero chavo chakayera chinotevera:

chibozwa	Rating
AAA	Chiyero chakanyanya kunaka - izvi zvinoreva makambani akasimba, akavimbika.
AA	Chiyero Chakanaka Kwazvo - izvi zvinoreva makambani akavimbika ane njodzi yakati rebei kupfuura AAA
A	Chiyero chakanaka - kumira kwemari kunogona kukanganiswa nehupfumi kana masimba emusika.
BBB	Chiyero chinogutsa. - kumira kwemari kunogona kukanganiswa nehupfumi kana masimba emusika
BB	Chiyero Chisingapfuure chinogutsa - kumira kwemari kunowanzo kukanganiswa nehupfumi
B	Zvishoma Zvishoma pane zvinogutsa - kumira kwemari kusagadzikana
CCC	Inotambura kune nharaunda yemari - isina kugadzikana
CC	Yakanyanya Kukanganisika nharaunda yemari - yakanyanya kutsamira pakanaka mamiriro ehupfumi - Kufungidzira tarisiro
C	Yakanyanya Kufungidzira - Inogona kunge iri mumamiriro ekubhadhara kumashure pane chimwe chikwereti, kana kunyangwe mukubhuroka
CI	Shure kwemubhadharo wemubereko
R	Mukubhuroka uye mumawoko eRegulatory agency nekuda kwekumira kwemari
SD	Sarudzo Yakasarudzika pane zvimwe zvikwereti kana kiredhiti
D	Yakasarudzika - yakanganisa pazvisungo zvakawanda uye S & P inofungidzira kuti iyi purogiramu ichave yakasarudzika pane akawanda kana ese zvisungo
NR	Kwete Kuverengwa

Equifax

Equifax inopa Chidiki Bhizinesi Kiredhiti Risk Score iyo inotarisira kufungidzira hunyengeri pamaaccount emari, uye yakagadzirirwa indasitiri yemabasa emari. Ichi chibodzwa chakaverengerwa, pakati pe101 ne992, ine mamaki akaderera anoratidza njodzi huru yekusatyora. Pamwe chete nekodhi yenhamba, Equifax inounza anosvika mana "makodhi ekufunga" ayo anoshanda kuratidza izvo zvinhu zvakakanganisa zvakanyanya zvibodzwa. Equifax inoshandisawo yakasarudzika "Yezvokutengeserana Score" system iyo inoparadzanisa "kutengeserana" kiredhiti kubva kune chimwe chikwereti (lease, nezvimwewo), zvichibva pane fungidziro yekuti varidzi vebhizinesi vanogona kusangana nezvivakwa, rendi, kana mabhengi emitsara yezvikwereti pamusoro zvisungo zvine chekuita nekutengeserana. Izvi zvibodzwa zvinoedza kufanotaura mhando yemaakaunzi angangotadza kubhadharwa.

Kiredhiti Ruzivo Chikwata

chibozwa	Risk
0-9	Yakadzika Njodzi
10-20	Avhareji Njodzi
21-30	Pamusoro Pe Avhareji Njodzi
31-40	High Njodzi
41-69	Yakakwirira Njodzi
70	Ruzivo rwakamhan'arwa kuEquifax kubva kuFairruptcy Court Office

Kiredhiti Ruzivo Chikamu chinofungidzirwa Uchishandisa Inotevera Chati:


Makore anoshanda muEquifax dhatabhesi		0-1	1.1-2	2.1-4	4.1-9	9.1 +
	chibozwa	10	8	6	4	0

Yazvino Kubhadhara Index		51 +	41-51	31-40	21-30	0-20
	chibozwa	10	7	5	4	0

Huwandu hwekubhadhara mareferenzi mumazuva makumi mapfumbamwe apfuura		0-1	2-3	4-6	7-10	11 +
	chibozwa	10	8	5	3	0

Kota yekupedzisira Payment Index vs. imwecheteyo gore rapfuura (mutsauko mumapoinzi)		41 +	21 + 40	11 + 20	6-10	0-5
	chibozwa	10	8	6	4	0

Huwandu hwezvinhu zvinoshoresa mumakore maviri apfuura		10 +	8-9	5-7	2-4	0-1
	chibozwa	10	8	5	3	0

Chazvino chinhu chinoshoreka chaive chazvino (mumwedzi)		1-2	3-4	5-6	7-12	12 +
	chibozwa	10	8	6	4	0

Huwandu hwezvinhu zvinonyadzisa se% yemadhora ane chikwereti kune vanotengesa		100%	51-99%	11-50%	1-10%	0%
	chibozwa	10	8	5	2	0

Index yekubhadhara

	% yeDhatabhesi
0	65	Vese vatengesi vanotengesa vanotaura kubhadhara mukati mematemu
1-10	8	Avhareji mazuva ekubhadhara zvishoma kupfuura mazwi
11-20	6	Avhareji mazuva ekubhadhara mazuva gumi kusvika makumi maviri kupfuura mazwi
21-30	5	Avhareji mazuva ekubhadhara mazuva gumi kusvika makumi maviri kupfuura mazwi
31-40	6	Avhareji mazuva ekubhadhara mazuva gumi kusvika makumi maviri kupfuura mazwi
41-90	5	Chete 5% yebhizinesi muEquifax inowira mune iyi nhanho
91-100	3	Vese vatengesi vatengesi vanotaura zvakakomba zvakapfuura nekuda kwekutadza
NA	NA	Hapana vezvemabhizimusi vevatengesi vakashumwa kuEquifax

ClientChecker

ClientChecker inozvibhadharira se "freelancer's chikwereti Bureau," uye inovimba nemishumo yevashandisi veayo invoicing software kuitira kuti vape huwandu hwehuwandu kune rakapihwa bhizinesi kana mubatanidzwa. Iyi nhamba inoreva kukweretwa kwekambani kuverengerwa, uye inozivikanwa seye PayQuo mamaki. Iyi zvibodzwa inofambidzana ne "Aggregate Bhizinesi Chikwereti Ripoti" iyo inosanganisira iyo nhamba yeanonzi asiri-kubhadhara uye avhareji nhamba yekunonoka kubhadhara mumazuva.

Chikamu chePayQuo chinopihwa zvinoenderana netafura inotevera:

chibozwa	Rating
90	Kubhadharwa Pakutanga kana Maererano neMitemo
80	Kubhadhara 10 kana Mazuva mashoma apfuura Mitemo
70	Kubhadharwa Mazuva makumi maviri kana Mashoma apfuura Mitemo
60	Kubhadharwa Mazuva makumi maviri kana Mashoma apfuura Mitemo
50	Kubhadharwa Mazuva makumi maviri kana Mashoma apfuura Mitemo
40	Kubhadharwa Mazuva makumi maviri kana Mashoma apfuura Mitemo
30	Kubhadharwa Mazuva makumi maviri kana Mashoma apfuura Mitemo
20	Yakabhadharwa 120 kana anopfuura maMatemu apfuura,, kana Yakanyorwa Off

Iyo chati inoshandiswa kutora avhareji kuitira kuti uone mamakisi.

Experian

Experian ndeimwe mega-3 chikwereti bureaus (pamwe neEquifax neTransunion), uye zvakare inoshandisa yakatarwa Corporate Kiredhi Mbiri ratings kuitira kupa zvikwereti zvikwereti kumabhizinesi nemakambani. Ruzivo rwunovimba nemaitiro mashoma. Imwe ndeyeIntelliscore system iyo yakagadzirirwa kufungidzira kubhadharisa kwekubhadhara mukuwedzera kwemazuva makumi mapfumbamwe. Inoshandiswa kumabhizinesi ehukuru hwese, iyo Intelliscore^SMsystem inopa mukana wenjodzi kubva pa0 kusvika 100, iine zvikwiriso zvakakwirira zvichiratidza njodzi shoma.

Imwe nzira inoshandiswa neAxperian ndiyo Vantage Score system. Iyi sisitimu inoitirwa kukwirisa nhandare yekutamba, sekutaura, kuti mutsauko wezviyero pakati pemasangano ekuyera akasiyana mhedzisiro yematanho akasiyana, uye kwete zviyero zvakasiyana zvezvinhu zvakafanana zvechikwereti. Izvi zvibodzwa zvaienderana zvinowirirana mukambani imwe neimwe yekuzivisa nezvechikwereti kuti vagadzire mamakisi kubva pa501-990 ayo anoenderana neyakareruka mhando yechikoro-chikoro (uye chinenge chakanzwisiswa pasi rese)

Makirasi acho anotevera seizvi:

chibozwa	Rating
901-990	A
801 - 900	B
701 - 800	C
601 - 700	D
501 - 600	F

Kune, hongu, mazhinji akawanda mareti ekuzivisa zvikwereti nemasangano, kunyangwe isu takapfupikisa iwo anozivikanwa masangano.

BusinessCreditUSA ™

Iri agency chikamu chidiki cheInfoUSA ™, uye Yakagadzirirwa kupa iri nyore, isingadhuri, asi inodzidzisa chikwereti mushumo. Inopa chirevo chine zvinhu zvakaita semazita evatariri kana mamaneja ekambani, ruzivo rwavo rwekuonana, mareferensi, huwandu hweUCC mafirita, uye yakapfava ratidziro system iyo iri chaizvo "A kubudikidza naC" chati, ine "U" chiyero che "chisingazivikanwe." Iyo inounganidza yakawanda yeruzivo kubva kune varidzi vebhizinesi ivo pachavo, asi inoongorora iyi ruzivo vakazvimiririra.

Iyi ndiyo BusinessCreditUSA Ratings chati:

	A+	95 +
	A+	90-94
	B+	85 - 89
	B	80-84
	C+	75-79
	C	70-74
	U	tsva

FactualData ™

FactualData (yaimbozivikanwa seFDInsight) inopa yakasarudzika nzvimbo yekuzivisa yevanogona kukwereta kana vebhizimusi vadyidzani nekupa menyu-senge sarudzo yereferenzi kana yekutsvaga paramita. Vachishandisa yavo yakasarudzika yekuunganidza data system, ivo vanogona kutarisa, mareferenzi ebhangi, bhizinesi mari pfupiso, uye kunyangwe yeruzhinji matsotsi marekodhi. Kambani yechipiri yakakura kwazvo mukubata imba yembageti / real estate, vanoshandisa ruoko rune simba rwekutsvagisa runotora uye kusimbisa ruzivo rwunopihwa.