{"id":1259,"date":"2019-11-22T18:25:43","date_gmt":"2019-11-22T10:25:43","guid":{"rendered":"https:\/\/www.finmonster.com\/blog\/?p=1259"},"modified":"2020-02-10T12:03:13","modified_gmt":"2020-02-10T04:03:13","slug":"transparent-credit-score","status":"publish","type":"post","link":"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/","title":{"rendered":"Transparent Credit Score"},"content":{"rendered":"\n<p>As discussed in our previous article <a href=\"https:\/\/www.finmonster.com\/blog\/2019\/07\/09\/the-top-5-tips-obtaining-corporate-banking-facilities\/\">The\nTop 5 Tips Obtaining Corporate Banking Facilities<\/a>, this article will\nlook further into how businesses can improve their credit scores in banks. <\/p>\n\n\n\n<p>A credit score is a benchmark for a bank to approve the credit facility and determine the interest rate for the loans. Over the years, banks and regulators have utilized Risk-Adjusted Return on Capital (RAROC) to evaluate the return per credit risk, which is closely correlated with the credit score. The result can be used to assess the level of risk involved in different transactions. RAROC sets different minimum acceptable returns for different banks with respect to their scales and target clients. All in all, the credit score is essential for a bank to determine loan approval and interest rate. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Credit Score Application <\/p>\n\n\n\n<p>Banks will look up to the credit score to calculate the loan-pricing such as interest rate and arrangement\nfee. The loan-pricing must meet the minimum requirement of RAROC, so as to\nensure a meaningful return on capital. Apart from the loan-pricing, the\ncredit score is also important for the risk classification of the banks. After\ngrading, companies with the same grade will be reviewed together during\nportfolio management or changes in business strategies. From the banks\u2019\nperspective, the credit score is a key indicator of the level of risk involved in transactions\nwith corporates. A corporate with a higher credit score\nhas a higher likelihood to obtain loan approval; A lower credit score means\na corporate probably has a lower chance to obtain loan approval or needs\nfurther credit enhancement such as securities to support its credit facility\napplication or has to pay a higher interest rate.<\/p>\n\n\n\n<p>Credit Score Quantitative Factors<\/p>\n\n\n\n<p>The\ncredit score composes of a few parts, namely Quantitative and Qualitative plus\nthe warning signal grade change rule. The quantitative components are figures\nderived from the financial statement of the company, which are input by the\nCredit Analyst or Relationship Manager of banks. System of the bank will\nanalyze the company\u2019s financial statement after submission. The process of\ncredit scoring involves numerous financial numbers, including but not limited\nto Debt-to-Capital Ratio, Debt-to-Equity Ratio, Interest Coverage Ratio, Gross\nProfit Margin, Net Profit margin, EBITDA Margin, reasonable Year over Year\ngrowth rate and Leverage. The numbers will be synthesized to generate an index\nin terms of Leverage, Profitability, Stability, Solvency, etc. These indexes\nwill be ultimately weighted to form a standardized rating on the quantitative\nfactors. <\/p>\n\n\n\n<p>Credit Score Qualitative Factors<\/p>\n\n\n\n<p>Qualitative factors focuses\non macro-level items, including but not limited to the Country Risk, Industry\nRisk, Competitive Position, etc. Some of these factors are objective with\nclear guidance by the bank\u2019s regular review and consistent &nbsp;to every corporate. For example, country risk\nand industry risk are determined by the bank and applied to corporates that\nfall into the same categories. Corporates cannot manipulate these factors given\nthey are a reflection of the business environment such as the economic situation,\nthe legal system, financial system, and industry cyclicality. Although a\ncompany can\u2019t control these factors, banks can decide on the weighting to be applied &nbsp;to fit their credit appetite. <\/p>\n\n\n\n<p>Meanwhile, the qualitative\ncomponent is sometimes subjective subject to the research conducted by the\nbank\u2019s analysts. For example, the competitive advantages, operating efficiency,\nand business diversity of the borrower are scrutinized by the analyst of the\nbank to provide a weighting into the credit rating score system based on these\nfactors. The result may involve data from third-party research or industry\nintelligence.<\/p>\n\n\n\n<p>Event-Driven\nFactors<\/p>\n\n\n\n<p>After\nsynthesizing the Quantitative Factors and Qualitative Factors, a preliminary\ncredit score is generated before final confirmation. Before confirming the\ncredit score, the bank will go through a checklist that evaluates the\nevent-driven factors. The checklist compares the final rating with the\ncorporate\u2019s external rating, legal dispute, parental support, government backup,\netc. These factors are straight forward with yes or no answer. Manually\ndowngrade sometimes happens if the preliminary credit score is higher than the\nCredit Score after Event-Driven Factors are considered. <\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img loading=\"lazy\" src=\"https:\/\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/11\/test-5.bmp\" alt=\"\" class=\"wp-image-1262\" width=\"1029\" height=\"726\"\/><\/figure>\n\n\n\n<p>Actions to enhance your Credit Score<\/p>\n\n\n\n<p>From the above observation, we can\nsee that some objective factors are uncontrollable such as country risk or\nindustry risk. However, a borrower could enhance his business credit score by\nactively improving other objective factors Such as quantitative factors are derived\nfrom company\u2019s financial statement to reflect its business operation. Banks\ngive higher priority to grant loans to borrowers whose business are stable,\ngrowing and profitable.&nbsp; <\/p>\n\n\n\n<p>Briefly speaking, moderate\nleverage, high-profit margin and high financial growth rate contribute to a\nhigher credit score. For the qualitative factors, a business may enhance its\ncompetitiveness in the industry, improve its operating efficiency and increase\nits market reputation to gain a higher score in the qualitative factors. However,\nthere is no quick way to improve a company\u2019s credit score from banks. A long-term\nbusiness development plan is of paramount importance for a company to obtain a\nbetter offering from banks. &nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banks and regulators have utilized Risk-Adjusted Return on Capital (RAROC) to evaluate the return per credit risk, which is closely correlated with the credit score. The result can be used to assess the level of risk involved in different transactions&#8230;&#8230;(continue reading)<\/p>\n","protected":false},"author":11,"featured_media":1271,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":""},"categories":[1305],"tags":[243,461],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Transparent Credit Score - FinMonster Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transparent Credit Score - FinMonster Blog\" \/>\n<meta property=\"og:description\" content=\"Banks and regulators have utilized Risk-Adjusted Return on Capital (RAROC) to evaluate the return per credit risk, which is closely correlated with the credit score. The result can be used to assess the level of risk involved in different transactions......(continue reading)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/\" \/>\n<meta property=\"og:site_name\" content=\"FinMonster Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/finmonster\" \/>\n<meta property=\"article:published_time\" content=\"2019-11-22T10:25:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-02-10T04:03:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/11\/iStock-1142011491middle-size.jpg?fit=5708%2C3806&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"5708\" \/>\n\t<meta property=\"og:image:height\" content=\"3806\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wearefinmonster\" \/>\n<meta name=\"twitter:site\" content=\"@wearefinmonster\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"FinMonster\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finmonster.com\/blog\/#organization\",\"name\":\"FinMonster\",\"url\":\"https:\/\/www.finmonster.com\/blog\/\",\"sameAs\":[\"https:\/\/facebook.com\/finmonster\",\"https:\/\/instagram.com\/wearefinmonster\",\"https:\/\/linkedin.com\/company\/finmonster\",\"https:\/\/twitter.com\/wearefinmonster\"],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.finmonster.com\/blog\/#logo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/05\/logo-official-site.png?fit=249%2C74&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/05\/logo-official-site.png?fit=249%2C74&ssl=1\",\"width\":249,\"height\":74,\"caption\":\"FinMonster\"},\"image\":{\"@id\":\"https:\/\/www.finmonster.com\/blog\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finmonster.com\/blog\/#website\",\"url\":\"https:\/\/www.finmonster.com\/blog\/\",\"name\":\"FinMonster Blog\",\"description\":\"\\u201cServe a better financing experience\\u201d\",\"publisher\":{\"@id\":\"https:\/\/www.finmonster.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finmonster.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/11\/iStock-1142011491middle-size.jpg?fit=5708%2C3806&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/www.finmonster.com\/blog\/wp-content\/uploads\/2019\/11\/iStock-1142011491middle-size.jpg?fit=5708%2C3806&ssl=1\",\"width\":5708,\"height\":3806,\"caption\":\"Transparent Credit Score\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/#webpage\",\"url\":\"https:\/\/www.finmonster.com\/blog\/2019\/11\/22\/transparent-credit-score\/\",\"name\":\"Transparent Credit Score - 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