Financial credit

KBRA Assigns Preliminary Ratings to Mercury Financial Credit Card Master Trust Series 2022-1

NEW YORK–(BUSINESS WIRE)–KBRA assigns preliminary ratings to three classes of notes issued by Mercury Financial Credit Card Master Trust, Series 2022-1 (“MFCCMT 2022-1”), an asset-backed credit card securitization issued by Mercury Financial Credit Card Master Trust Trust (“Master Trust”). The MFCCMT 2022-1 Notes are collateralized and repaid by a portfolio of general purpose revolving credit […]

Credit risk

Bukele’s Bitcoin Trade Increases El Salvador’s Sovereign Credit Risk: Moody’s

El Salvador’s historic adoption of bitcoin (BTC) could negatively impact the country’s sovereign credit outlook, according to Moody’s Investors Service. Moody’s analyst Jaime Reusche told Bloomberg this week that El Salvador’s bitcoin bet “certainly adds to the risk portfolio” of a country that has struggled with liquidity issues in the past. Under the leadership of […]

Credit line

LazyPay launches card with line of credit, 5% cash back, FD Booster and more benefits. Know the details

PayU Finance’s Buy Now Pay Later (BNPL) service, LazyPay, has partnered with SBM Bank India to deepen its arms in the card segment and launched the LazyCard, a prepaid payment-based instrument backed by a line of credit. The LazyCard will be supported by Visa and will refine a strong structure of rewards and offers. The […]

Credit risk

How MSMEs Can Improve Their Credit Risk Scores

Credit and finance for MSMEs: Credit risk assessment models for SMEs are generally based on the 3Cs approach: capital, character and capacity. By Dr Vishnu Ramachandran Credit and finance for MSMEs: Small and Medium Enterprises (SMEs), the backbone of the Indian economy, are stuck between the large business and retail segments in terms of loan […]

Credit risk

How does ESG change credit risk? India Ratings wants to spot the link

More and more, analysts and investors are trying to find out how ESG factors relate to credit risks for a company. While ESG ratings can help assess a company’s sustainability over the long term, they continue to lack common assessment ground, making it harder for investors to understand them. Credit ratings, on the other hand, […]

Credit risk

Is Now a Good Time to Invest in Credit Risk Funds?

As this report indicates, credit risk funds may offer better returns because the spreads between AAA and AA are still attractive, but not as attractive as they were in the aftermath of the Franklin Templeton fiasco. On October 5, 2021, Moody’s changed the outlook for India’s sovereign ratings from negative to stable and maintained its […]

Credit risk

Is Now a Good Time to Invest in Credit Risk Funds?

As this report indicates, credit risk funds may offer better returns because the spreads between AAA and AA are still attractive, but not as attractive as they were in the aftermath of the Franklin Templeton fiasco. On October 5, 2021, Moody’s changed the outlook for India’s sovereign ratings from negative to stable and maintained its […]

Credit risk

Automate credit risk monitoring using statistical models

This article is written and published by S&P Global Market Intelligence, an independent division of S&P Global Ratings. The lowercase nomenclature is used to differentiate S&P Global Market Intelligence credit ratings from credit ratings issued by S&P Global Ratings. Summary S&P Global Ratings Issuer Credit Ratings (ICRs) assess a company’s willingness or ability to repay […]

Credit risk

S&P Global Ratings and Guidewire Extend Cyber ​​Credit Risk Innovation into the Digital Age

Content of the article World’s Leading Credit Rating Agency Deepens Relationship with Guidewire and Cyence Risk Analytics Unit to Bring Cyber ​​Risk Insights and Scores to Businesses Worldwide NEW YORK & SAN MATEO, Calif .– S&P Global Ratings, a division of S&P Global Inc. (NYSE: SPGI) and Guidewire (NYSE: GWRE) announced that S&P Global Ratings […]

Credit risk

S&P Global Ratings and Guidewire Extend Cyber ​​Credit Risk Innovation into the Digital Age

World’s Leading Credit Rating Agency Deepens Relationship with Guidewire and Cyence Risk Analytics Unit to Bring Cyber ​​Risk Insights and Scores to Businesses Worldwide NEW YORK & SAN MATEO, California, November 18, 2021– (COMMERCIAL THREAD) – S&P Global Ratings, a division of S&P Global Inc. (NYSE: SPGI) and Guidewire (NYSE: GWRE) announced that S&P Global […]

Credit risk

Increase in central bank gold reserves reduces sovereign credit risk (IGPC study)

Central Bank gold reserves can reduce a country’s sovereign credit risk in international markets, finds a study by the India Gold Policy Center (IGPC) of the Indian Institute of Management – Ahmedabad ( IIM-A). The study finds that while growth-oriented macroeconomic policies can reduce sovereign risk, the country’s central bank gold holdings have a strong […]

Credit risk

Can central bank gold reserves reduce sovereign credit risk? – A study by the India Gold Policy Center of the IIMA

At a time of increasing public debt and the harmful effects of COVID-19, a study conducted by the India The Gold Policy Center (IGPC) of the Indian Institute of Management, Ahmedabad (IIMA) has revealed a silver lining for countries that have diversified their foreign exchange reserves by increasing their holdings of gold. The study reveals […]

Credit risk

Norfolk County remains a good credit risk

Content of the article Norfolk County is well positioned to fund expensive infrastructure upgrades at reasonable interest rates thanks to a positive credit rating outlook from Standards and Poor’s Global Ratings. = Content of the article Earlier in September, S&P Global Rating’s confirmed the county’s credit rating to “AA- / Stable”. This is the rating […]

Credit risk

Telecommunications and Technology Credit Risk Trends: A Mid-Year 2021 Perspective

The effect of COVID-19 on industries has varied considerably and will continue to be felt for years to come in terms of growth prospects, financial policies and credit metrics. This is all the more true as the evolution of working and leisure methods continues to accelerate. This blog examines S&P Global Ratings’ outlook on credit […]

Credit line

How to Apply for a Line of Credit Increase with American Express

Asking for a credit limit increase is a great way to free up some credit available for a large purchase, and it can also boost your credit score. Since your credit usage rate is 30% of your FICO credit score, a higher credit limit can reduce your credit usage and increase your overall score. If […]

Credit line

How to Apply for a Line of Credit Increase with Chase

There are many good reasons to ask for a credit limit increase, whether you’re looking to finance a large purchase or take advantage of the potential increase in your credit score. If money is tight, increasing your credit limit can also give you additional flexibility. If you have a Chase credit card, asking Chase to […]

Credit line

Line of credit, personal loan or credit card? Everything you need to know – Forbes Advisor INDIA

A line of credit, personal loan, and credit card are all unsecured loan instruments, which means that no collateral or collateral needs to be posted to use credit through any of the three. The way they work is simple: Instead of relying on a borrower’s assets as collateral, lenders approve unsecured loans based on the […]

Credit line

Line of credit vs credit card vs short term loans: which one to choose?

The three options carry different risks and costs. Therefore, experts say that one should evaluate before making a choice. The coronavirus outbreak has left people in dire straits due to job loss, pay cuts and business closures. As this has led to erratic income, industry experts say it has increased the demand for monetary support […]

Financial credit

Global Alternative Financial Rating Thematic Research Report 2021 – ResearchAndMarkets.com

DUBLIN – (COMMERCIAL THREAD) – The report “Alternative Financial Credit Scoring – Thematic Research” has been added to ResearchAndMarkets.com offer. This report explores alternative credit scoring approaches that are being deployed in the financial services industry. Alternative lenders and big tech have developed fundamentally new approaches to credit scoring, integrating a wider variety of data […]

Financial credit

KBRA Provides Preliminary Ratings to Mercury Financial Credit Card Master Trust Series 2021-1

NEW YORK–(COMMERCIAL THREAD) – Kroll Bond Rating Agency (KBRA) assigns preliminary ratings to four classes of notes to be issued by Mercury Financial Credit Card Master Trust, Series 2021-1 (“MFCCMT 2021-1”), an asset-backed security of credit card transaction. Ratings reflect initial credit enhancement levels ranging from 33.25% for Class A Notes to 5.00% for Class […]

Financial credit

Is Credit Karma a Useful Financial Credit Tool?

What you need to know about Credit Karma Are you wondering how Credit Karma works? Credit Karma is a free financial tracking service. It allows users to monitor and improve their credit rating. But can you trust Credit Karma’s accuracy when it’s free to use? They help consumers better understand how their credit score is […]

Credit provider

Here are the questions you should ask your credit provider

Through Journalist Apr 6, 2020 Share this article: To shareTweeterTo shareTo shareTo shareE-mailTo share Before even considering a credit offer, whether it’s to pay off debt, buy your dream car, or buy your first home, there are a few questions you need to ask yourself and your potential credit provider. Finding answers to these questions, […]