Customer Credit Assessment Service

This is to provide statistically estimated financial strength of any given entity. This service is often used by creditors and lenders as an external reference of objective credit assessment. It may be utilized for a wide variety of purposes. For example, the result of this assessment could be used as a trigger to require additional collateral or deposit.

The result is expressed in nine grades from 10 to 2. It uses “JCR Small and Medium Sized Enterprise Credit Risk Estimation Model (JCREST)”, which calculates estimated probability of default (PD) for a period from 1 to 3 years. JCR determines the grade based on the PD deriving from JCREST with making certain adjustments based on JCR’s expertise, while no credit enhancement (such as potential support from parent entity) is factored in.

*** This service is provided only in Japan.

Evaluation of Financial Strength of Financial Institutions for Local Governments

This is to provide municipal governments with JCR’s assessment on the financial strength of financial institutions. The assessment result is delivered to the applicant only, and not published.

*** This service is provided only in Japan.