Escalas de rating crediticio utilizadas

¿Cómo interpretar el rating crediticio?


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El rating es una medida o calificación de la solvencia (capacidad de pago) del emisor para hacer frente a sus compromisos financieros.

Las escalas de rating crediticio utilizadas por las principales agencias  de calificación de riesgo para calificar la deuda a largo plazo (es decir de vencimiento igual o superior a un año) son las que se recogen en la siguiente infografía.

Escalas de rating crediticio utilizadas

¿Cómo interpretar el rating crediticio?

Mediante los colores de la escala he intentado plasmar la mayor seguridad de la deuda ”triple A” contra el mayor riesgo de la deuda “C”. Las letras en blanco o en negro no tienen otra intención que la de obtener un buen contraste que facilite su lectura.

La clasificación “AAA” es la máxima calificación asignable. La capacidad del emisor para cumplir sus compromisos financieros es extremadamente fuerte.

A medida que se reduce el grado de esa fortaleza para atender los compromisos financieros va reduciéndose la calificación.

En la categoría producto de inversión la peor calificación (Baa3,…) supone que el emisor tiene una capacidad comprometida pero suficiente para cumplir con sus compromisos financieros. Sin embargo probablemente la mínima adversidad económica o el más mínimo cambio coyuntural supongan un debilitamiento significativo de la capacidad del emisor para cumplir con sus compromisos financieros.

Calificaciones inferiores (Ba, … C) se consideran englobadas en la categoría “especulación”. Son obligaciones financieras que tienen características especulativas significativas. Su nivel de riesgo es elevado, incorporan un cierto grado de incertidumbre y exposición a condiciones adversas que se incrementan a medida que se desciende en la escala hasta la calificación mínima (C).

Saludos

Raimon Serrahima Formosa.  Perito Economista de ConPericia

Última revisión: 10 de enero de 2014

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Un pensamiento en “¿Cómo interpretar el rating crediticio?”

  1. Thank you for your helping hand.


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