Credit Assessment
Independent and confidential credit assessments tailored for internal use or selective disclosure to partners and stakeholders
What is Credit Assessment?
Credit Assessment is an independent opinion on the credit risk of a company or debt instrument, provided on a confidential basis and not publicly disclosed.
This service allows clients to use the assessment results for internal purposes or selectively share them with relevant stakeholders.
Independent Third-Party Assessment
An objective opinion on credit risk
Not Publicly Disclosed
Assessment results are confidential and provided exclusively to the client
Suitable for Internal Use
Flexible use for internal decision-making or selective communication with relevant stakeholders
When Should Businesses Use Credit Assessment?
Preparing to Raise Capital
Helps businesses better understand their credit profile before pursuing a public credit rating, approaching investors, or engaging with lenders
Engaging with Partners
Useful when businesses need an independent assessment to strengthen credibility in important discussions or transactions
Internal Risk Management
Provides an objective view to review credit strength and support strategic financial decisions
Credit Assessment vs. Public Credit Rating
| Criteria | Credit Assessment | Public Credit Rating |
|---|---|---|
| Disclosure level | Confidential | Publicly disclosed |
| Use cases | For companies that need to: 1. Self-review their credit profile 2. Provide an independent assessment to selected partners 3. Prepare for a credit rating | For companies that need to: 1. Diversify funding access across different channels 2. Optimize funding costs in the corporate bond market 3. Enhance transparency and strengthen public credibility |
| Who can access the results | 1. Internal stakeholders 2. Selected business partners of the company | 1. Investors and the public 2. Regulators |
| Surveillance | May be monitored or provided on a one-off basis | Continuously monitored and surveilled |
VIS Rating - A Trusted Partner
Methodologies
VIS Rating’s methodologies are built on globally recognized rating methodologies, refined through more than 115 years of Moody’s Ratings’ experience, and adapted to reflect the characteristics of Vietnam’s market
Expert Team
VIS Rating’s experts have extensive experience in credit, audit, and financial analysis, with international professional qualifications. The Ratings and Research team is led by senior personnel seconded by Moody’s
Independent and Confidential
We provide an independent credit view on a confidential basis, allowing clients to use the assessment flexibly for internal purposes or selective sharing