PROJECT NAME:

Credit Rating: Achieving a Better Scale

A credit rating assesses the credit worthiness of an individual, corporation, or even a country. Credit ratings are calculated from financial history and current asset and liabilities. Typically, a credit rating tells a lender or investor the probability of the subject being able to pay back a loan. However, in recent years, credit ratings have also been used to adjust insurance premiums, determine employment eligibility, and establish the amount of a utility or leasing deposit. A poor credit rating indicates a high risk o defaulting on a loan, and thus leads to high interest rates or the refusal of a loan by the creditor.

MAIN CREDIT RATING ORAGNIZATIONS Moodys Standard and Poors and Fitch Ratings.

OBJECTIVES OF THE STUDY

To identify importance of Credit Rating for an organization.

To understand why credit rating is required. To study the various Ratings provided by the different Credit Rating organization. Establish key drives for better Credit Rating Scale.

REVIEW OF LITERATURE
Credit Rating is very important. You need to manage a healthy credit score, especially if you are planning to borrow a loan or buy a real estate or an automobile. A low credit rating is considered as a sign of a high risk of non-payment of debt.

RESEARCH METHODOLOGY
Secondary Reasearch Collection of Data Data Analysis

CONCEPTUAL WORK List of Tables -Financial Risk -Business Risk -Management Risk

SCOPE
A Credit Rating is a useful tool not only for the investors, but also for the entities looking for investors. An investment grade rating can put a security, company or country on the global radar, attracting foreign money and boosting a notions economy. Indeed, for emerging market economies, the credit rating is the key for showing their worthiness of money from foreign investors. And because the credit rating acts to facilitate investments, many countries and companies will strive to maintain and improve their ratings, hence ensuring a stable political environment and a more transparent capital market.