Finance Paper写作范文-信用评级机构：监管变化的影响。本文是一篇留学生金融学paper格式范文，主要内容是介绍信用评级机构是一家私人公司，负责检测企业、个人或其他组织的信用。它使用了很多因素来评估借款人偿还债务的能力。它主要基于借款人的偿付能力。评级机构评级的主要工具是政府债券、公司债券、证券交易所、市政债券和担保品。本篇paper指出这些评估信用度的义务是由公司，特别是银行，向其他企业或公司发放贷款。自20世纪以来，这些机构已经在实践中存在了很长一段时间。这些机构有管理其运作的某些规定。这项工作探讨了信用评级机构的活动，它们是如何运作的，以及最近发生变化的合理法规。下面就通过这篇finance paper写作范文的具体内容来学习掌握paper怎么写。
Credit rating agency is a private company that is assigned to detect the creditworthiness of businesses, individuals or other organizations. It uses very many factors to assess the ability of the borrowers to repay their debts. It is majorly based on the borrower’s solvency. The main instruments rated by the rating agency are the government bonds, corporate bonds, stocks exchange, municipal bonds and security collaterals. These obligations to assess the creditworthiness is issued by the companies especially banks in order to give loans to other business or companies. The agencies have been in practice for a long period since the 20th century. The agencies have certain regulations that governance its operations. This work explores the activities of credit rating agency how they operate and reasonable regulations that have changed recently (White, 2010).
评级机构的主要目的是对发行债务的企业进行评级，这些企业涉及私营公司、国家政府和其他形式的政府。事实证明，该机构在贷款中很重要，金融业作为投资者要求获得任何特定投资风险的充分补偿的信息至关重要）。
The main purpose of the rating agencies is to give the rating to businesses that issue debts, which involve Private Corporation and the national government and other forms of government. The agency has proved to be important in the lending, and the financial industry as information is for the investors to demand to receive adequate compensation for the risk involved in any particular investment is critical (White, 2010).
投资者会考虑信用评级，以帮助管理该区间。评级越低，贷款人的贷款风险就越大。考虑到市场趋势，投资者可能会在风险较高的情况下以更高的利率放贷，以抵御风险，从而产生提高贷款利率的整体效果。
Investors take into account the credit rating to help manage the range. Lower rating translates to greater lending risk by a lender. In consideration of the market trends, the investors may lend at larger rates in higher risk to protect against the risks thus, having an overall effect of raising the lending rates.
信用评级机构也很重要，因为他们提供的信息用于确定所发放贷款的利息或预期的可能回报。低评级和高风险的业务将吸引高利率，而高评级和低风险将吸引低利率。投资者向评级机构征求此类意见，以便做出适当的投资决策。
Credit rating agency is also essential as the information they provide are used to determine the interest to be charged on loans given or possible returns expected. Business with a low rating and high risk would attract high-interest rate while the high rating and low risk would attract the low-interest rates. The investor seeks such opinions from the rating agencies in order to make appropriate investment decisions.
信用评级机构也很重要，因为他们提供的信息用于确定所发放贷款的利息或预期的可能回报。低评级和高风险的业务将吸引高利率，而高评级和低风险将吸引低利率。投资者向评级机构征求此类意见，以便做出适当的投资决策。
In history, as from the beginning of the 20th century, three companies, Fitch, Moody, and standard and poor’s were formed to help the investors to access the ability of other individual be able to repay loan or assistance given to the by such institutions. For Fetch, it had a unique characteristic of publishing its finding on the stock and bonds financial statistics. The standard and poor it had the same approach as for the Fitch Moody’s company but was a bit different, as it was proving its rating on the government bonds. The companies help so many organization and business to consolidate their asset and operation thus improving lending among the companies (Pinto, 2006).
本篇paper通过调查了解到在历史上，从20世纪初开始，惠誉、穆迪和标准普尔三家公司就成立了，以帮助投资者获得其他个人的能力，从而能够偿还这些机构向其提供的贷款或援助。对于Fetch来说，它有一个独特的特点，就是公布股票和债券财务统计数据。标准和糟糕的是，它采用了与惠誉穆迪公司相同的方法，但有点不同，因为它正在证明其对政府债券的评级。这些公司帮助许多组织和企业整合资产和运营，从而改善公司之间的贷款。
Creditworthiness, being the capability and willingness to make full payment of debt in required time, some companies due to financial constrain cannot be able to make such commitments. In order to determine the timely debt payment a number of factors are considered, the financial risk, industr
