RatingsXpress®: Scores & Factors

The RatingsXpress®: Scores & Factors dataset provides transparency into how S&P Global Ratings analysts establish an Issuer Credit Rating. By assessing the underlying business, financial, industry, and economic risk factors and assessments, plus the stand-alone credit profile, which drove an analyst's rating recommendation for an issuer, you can: - Create meaningful financial benchmarks for internal risk models as a result of weakening support from the parent, affiliate, or related government - Gain more insights into when the credit quality of an entity may be shifting by monitoring the underlying components of its credit rating - Better differentiate between Issuers with the same rating by assessing a company's business risk profile, industry risk, and competitive position - For banks adhering to Basel III regulations, decouple an Issuer's credit risk from any credit support provided to the entity This dataset includes: - Historical coverage for corporations (CORP Score Group) dating back to 2017, banks (BANK Score Group) dating back to 2018, insurers (INSURANCE Score Group) dating back to 2019, and sovereigns (SOV Score Group) dating back to 2018 - Historical coverage for Banking Industry & Country Risk Assessments (BICRA Score Group) dating back to 2019 - Available in span, daily or monthly frequencies《RatingsXpress®：评分与影响因素数据集》可清晰展示标普全球评级（S&P Global Ratings）分析师如何确定发行人信用评级。通过分析影响分析师给出发行人评级建议的核心业务、财务、行业与经济风险因素及相关评估，以及独立信用状况（stand-alone credit profile），您可以： - 在母公司、关联机构或相关政府支持力度减弱时，为内部风险模型构建具备实际参考价值的财务基准 - 通过监控信用评级的核心构成要素，更深入地掌握实体信用质量的变动时点 - 通过评估企业的业务风险状况、行业风险与竞争地位，更好地区分信用评级相同的发行人 - 对于遵守巴塞尔协议III（Basel III）监管要求的银行而言，可将发行人的信用风险与向该实体提供的任何信用支持分离开来 本数据集包含以下内容： - 覆盖2017年起的企业（CORP评分组）、2018年起的银行（BANK评分组）、2019年起的保险公司（INSURANCE评分组）以及2018年起的主权国家（SOV评分组）的历史数据 - 覆盖2019年起的银行业与国家风险评估（BICRA评分组）的历史数据 - 支持跨时段、每日或月度三种更新频率

搜集汇总

背景与挑战

背景概述

该数据集披露标普全球评级分析师评定发行人信用评级的核心要素，包括业务风险、行业风险等关键指标，并提供2017年起各行业（企业、银行、保险、主权等）的历史数据，支持跨频次查询。