kreditértékek
Kreditértékek, or credit values, refer to the numerical ratings assigned to borrowers or debt instruments that indicate the likelihood that the borrower will meet its financial obligations. These values are used by investors, lenders, and regulators to assess credit risk and to price debt instruments appropriately. Credit rating agencies such as Moody’s, Standard & Poor’s, and Fitch provide the most commonly referenced credit ratings. They evaluate a wide range of factors, including debt service coverage, liquidity, cash flow stability, and the macroeconomic environment surrounding the borrower.
In practice, a higher credit value reflects a lower probability of default, permitting the issuer to borrow
Credit values play a crucial role in capital markets, influencing portfolio allocation, hedging strategies, and regulatory