The Enterprises’ International Credit Rating and Promotion

When the assessment model is primarily established, D&B will set some samples and mark according to the assessment model. After collecting relevant data of the sample enterprises, all the information will be analyzed and rated by the credit management software exclusively used by D&B, and scores will finally come out. The scope of the scores will be 0 to 10. 10 represents the best credit and 0 represents the worst. The marking results will be arranged and divided into 5 grades according to some proportion. Scores of the 5 grades calculated in this way will decide the standards of credit assessment grade.

The final assessment grade will include 5 grades------A, B, C, D, and E. Their meanings are presented in Table2.

Grade	Meaning
A	Enterprises have the best performance of commercial credit and excellent paying aspiration and capability, with favorable external environment
B	Enterprises have good performance of commercial credit and generally good performance of paying aspiration, paying capability and external environment. However, some deficiencies still exist. The credit is above the medium level.
C	Enterprises have ordinary performance of commercial credit. The degrees of the aspects deciding the credit are not even. The overall credit is in the medium level.
D	Enterprises’ commercial credit is not good. In the aspects that measure credit, there are more negative results than positive ones. The overall credit is below the medium level, and the credit risk is evident.
E	Enterprises’ commercial credit is bad. Most of the scores of credit assessment results are rather low. The overall credit is in the lowest level, and the credit risk is rather significant.