\u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789<\/h3>\n\u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6<\/div><\/div>\n<\/article>\n\n02<\/div>\n\n\u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799<\/h3>\n\u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6<\/div><\/div>\n<\/article>\n\n03<\/div>\n\n\u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799<\/h3>\n\u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793<\/div><\/div>\n<\/article>\n\n04<\/div>\n\n\u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/h3>\n\u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/div><\/div>\n<\/article>\n\n05<\/div>\n\n\u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/h3>\n<\/p><\/div>\n<\/article><\/div>\n
\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”]\t<\/p>\n
\n\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/p>\n
\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/h2>\n\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 \u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u1782\u17c4\u179b\u1794\u17c6\u178e\u1784\u1785\u17c6\u178e\u17c1\u17c7\u178a\u17b9\u1784\u1791\u17bc\u1791\u17c5 \u1793\u17b7\u1784\u1797\u17b6\u1796\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u1785\u17c6\u1796\u17c4\u17c7\u17a2\u17d2\u1793\u1780\u1794\u17d2\u179a\u17be\u1794\u17d2\u179a\u17b6\u179f\u17cb\u1796\u17d0\u178f\u17cc\u1798\u17b6\u1793\u1795\u17d2\u179f\u17c1\u1784\u17d7 \u1799\u17be\u1784\u1794\u17b6\u1793\u1795\u17d2\u178f\u179b\u17cb\u1780\u17d2\u179a\u1794\u1781\u178e\u17d2\u178c\u1791\u17bc\u1791\u17c5\u17a2\u17c6\u1796\u17b8\u179a\u1794\u17c0\u1794\u178a\u17c2\u179b\u1799\u17be\u1784\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17a0\u1782\u17d2\u179a\u17b6\u179f \u1793\u17b7\u1784\u17a7\u1794\u1780\u179a\u178e\u17cd\u1794\u17c6\u178e\u17bb\u179b\u17d4<\/div><\/div>\n\t[\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-cards”]\t<\/p>\n
\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 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\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
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\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 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\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 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\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
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\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/p>\n
\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3<\/h2>\n\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 \u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u1782\u17c4\u179b\u1794\u17c6\u178e\u1784\u1785\u17c6\u178e\u17c1\u17c7\u178a\u17b9\u1784\u1791\u17bc\u1791\u17c5 \u1793\u17b7\u1784\u1797\u17b6\u1796\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u1785\u17c6\u1796\u17c4\u17c7\u17a2\u17d2\u1793\u1780\u1794\u17d2\u179a\u17be\u1794\u17d2\u179a\u17b6\u179f\u17cb\u1796\u17d0\u178f\u17cc\u1798\u17b6\u1793\u1795\u17d2\u179f\u17c1\u1784\u17d7 \u1799\u17be\u1784\u1794\u17b6\u1793\u1795\u17d2\u178f\u179b\u17cb\u1780\u17d2\u179a\u1794\u1781\u178e\u17d2\u178c\u1791\u17bc\u1791\u17c5\u17a2\u17c6\u1796\u17b8\u179a\u1794\u17c0\u1794\u178a\u17c2\u179b\u1799\u17be\u1784\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17a0\u1782\u17d2\u179a\u17b6\u179f \u1793\u17b7\u1784\u17a7\u1794\u1780\u179a\u178e\u17cd\u1794\u17c6\u178e\u17bb\u179b\u17d4<\/div><\/div>\n\t[\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-cards”]\t<\/p>\n
\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
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\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798<\/h3>\nRAC \u179a\u17bd\u1798\u1794\u1789\u17d2\u1785\u17bc\u179b\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1791\u17c5\u178a\u179b\u17cb\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a2\u17b6\u1787\u17b8\u179c\u1780\u1798\u17d2\u1798\u17d4<\/div><\/div><\/div>\n<\/article>\n\n\n<\/div>\n\n\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb<\/h3>\nRAC \u179c\u17b7\u1797\u17b6\u1782\u17a0\u17b6\u1793\u17b7\u1797\u17d0\u1799\u17a0\u17b7\u179a\u1789\u17d2\u1789\u179c\u178f\u17d2\u1790\u17bb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u178a\u17c4\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1784\u17b6\u1799\u179f\u17d2\u179a\u17bd\u179b\u1794\u17d2\u179a\u17be \u1793\u17b7\u1784\u179b\u1791\u17d2\u1792\u1797\u17b6\u1796\u1793\u17c3\u179b\u17c6\u17a0\u17bc\u179a\u179f\u17b6\u1785\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179a\u1794\u179f\u17cb\u1780\u17d2\u179a\u17bb\u1798\u17a0\u17ca\u17bb\u1793\u17d4<\/div><\/div><\/div>\n<\/article><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 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\n\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/p>\n
\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb<\/h2>\nRAC \u1794\u17c4\u17c7\u1796\u17bb\u1798\u17d2\u1796\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a \u1793\u17b7\u1784\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794 \u178a\u17be\u1798\u17d2\u1794\u17b8\u1787\u17bd\u1799\u17a2\u17d2\u1793\u1780\u1785\u17bc\u179b\u179a\u17bd\u1798\u1791\u17b8\u1795\u17d2\u179f\u17b6\u179a\u1799\u179b\u17cb\u178a\u17b9\u1784\u17a2\u17c6\u1796\u17b8\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u178f\u17b6\u1798\u1796\u17c1\u179b\u179c\u17c1\u179b\u17b6\u17d4<\/div><\/div>\n\n\n\n<\/div>\nDefault Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 \u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u1782\u17c4\u179b\u1794\u17c6\u178e\u1784\u1785\u17c6\u178e\u17c1\u17c7\u178a\u17b9\u1784\u1791\u17bc\u1791\u17c5 \u1793\u17b7\u1784\u1797\u17b6\u1796\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u1785\u17c6\u1796\u17c4\u17c7\u17a2\u17d2\u1793\u1780\u1794\u17d2\u179a\u17be\u1794\u17d2\u179a\u17b6\u179f\u17cb\u1796\u17d0\u178f\u17cc\u1798\u17b6\u1793\u1795\u17d2\u179f\u17c1\u1784\u17d7 \u1799\u17be\u1784\u1794\u17b6\u1793\u1795\u17d2\u178f\u179b\u17cb\u1780\u17d2\u179a\u1794\u1781\u178e\u17d2\u178c\u1791\u17bc\u1791\u17c5\u17a2\u17c6\u1796\u17b8\u179a\u1794\u17c0\u1794\u178a\u17c2\u179b\u1799\u17be\u1784\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17a0\u1782\u17d2\u179a\u17b6\u179f \u1793\u17b7\u1784\u17a7\u1794\u1780\u179a\u178e\u17cd\u1794\u17c6\u178e\u17bb\u179b\u17d4 [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock 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\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”default-studies” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-defaults”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–default-studies”]\t<\/p>\n
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- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 \u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u1782\u17c4\u179b\u1794\u17c6\u178e\u1784\u1785\u17c6\u178e\u17c1\u17c7\u178a\u17b9\u1784\u1791\u17bc\u1791\u17c5 \u1793\u17b7\u1784\u1797\u17b6\u1796\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u1785\u17c6\u1796\u17c4\u17c7\u17a2\u17d2\u1793\u1780\u1794\u17d2\u179a\u17be\u1794\u17d2\u179a\u17b6\u179f\u17cb\u1796\u17d0\u178f\u17cc\u1798\u17b6\u1793\u1795\u17d2\u179f\u17c1\u1784\u17d7 \u1799\u17be\u1784\u1794\u17b6\u1793\u1795\u17d2\u178f\u179b\u17cb\u1780\u17d2\u179a\u1794\u1781\u178e\u17d2\u178c\u1791\u17bc\u1791\u17c5\u17a2\u17c6\u1796\u17b8\u179a\u1794\u17c0\u1794\u178a\u17c2\u179b\u1799\u17be\u1784\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17a0\u1782\u17d2\u179a\u17b6\u179f \u1793\u17b7\u1784\u17a7\u1794\u1780\u179a\u178e\u17cd\u1794\u17c6\u178e\u17bb\u179b\u17d4 [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-cards”]…<\/p>\n","protected":false},"author":0,"featured_media":407,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/rac-understanding-ratings.php","meta":{"rac_page_subtitle":"\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb \u2014 \u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179c\u17b7\u1793\u17b7\u1799\u17c4\u1782\u17b7\u1793 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Default Statistics<\/h3>\n<\/p><\/div>\n\u179f\u17d2\u1790\u17b7\u178f\u17b7\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1782\u17ba\u1787\u17b6\u1797\u17b6\u1782\u179a\u1799\u1793\u17c3\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1792\u17c0\u1794\u1793\u17b9\u1784\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a2\u1784\u17d2\u1782\u1797\u17b6\u1796\u179f\u179a\u17bb\u1794 \u178a\u17c2\u179b\u1782\u178e\u1793\u17b6\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1793\u17b8\u1798\u17bd\u1799\u17d7\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u178a\u17bc\u1785\u1782\u17d2\u1793\u17b6\u1793\u17c1\u17c7\u178a\u17c2\u179a \u1780\u17b6\u179a\u179f\u17b7\u1780\u17d2\u179f\u17b6\u17a2\u17c6\u1796\u17b8\u1780\u17b6\u179a\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1780\u17be\u178f\u17a1\u17be\u1784\u1793\u17c5\u1796\u17c1\u179b\u17d6<\/div>\n\n- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n\n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n\n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
[vc_row el_id=”rating-process” el_class=”rac-vc-row rac-section rac-section–white rac-uratings-anchor rac-uratings-process”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-head”] \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b8\u178f\u17b7\u179c\u17b7\u1792\u17b8\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793\u178a\u17c6\u178e\u17be\u179a\u1780\u17b6\u179a\u1799\u17c9\u17b6\u1784\u178a\u17bc\u1785\u1798\u17d2\u178f\u17c1\u1785? [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 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\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u1782\u17c4\u179b\u1794\u17c6\u178e\u1784\u1785\u17c6\u178e\u17c1\u17c7\u178a\u17b9\u1784\u1791\u17bc\u1791\u17c5 \u1793\u17b7\u1784\u1797\u17b6\u1796\u1785\u17d2\u1794\u17b6\u179f\u17cb\u179b\u17b6\u179f\u17cb\u1785\u17c6\u1796\u17c4\u17c7\u17a2\u17d2\u1793\u1780\u1794\u17d2\u179a\u17be\u1794\u17d2\u179a\u17b6\u179f\u17cb\u1796\u17d0\u178f\u17cc\u1798\u17b6\u1793\u1795\u17d2\u179f\u17c1\u1784\u17d7 \u1799\u17be\u1784\u1794\u17b6\u1793\u1795\u17d2\u178f\u179b\u17cb\u1780\u17d2\u179a\u1794\u1781\u178e\u17d2\u178c\u1791\u17bc\u1791\u17c5\u17a2\u17c6\u1796\u17b8\u179a\u1794\u17c0\u1794\u178a\u17c2\u179b\u1799\u17be\u1784\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179f\u17a0\u1782\u17d2\u179a\u17b6\u179f \u1793\u17b7\u1784\u17a7\u1794\u1780\u179a\u178e\u17cd\u1794\u17c6\u178e\u17bb\u179b\u17d4 [\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock 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- \n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1798\u17b7\u1793\u17a2\u17b6\u1785\u1794\u17c6\u1796\u17c1\u1789\u1780\u17b6\u178f\u1796\u17d2\u179c\u1780\u17b7\u1785\u17d2\u1785\u178a\u17c4\u1799\u1794\u1784\u17cb\u178a\u17be\u1798\u1791\u17bb\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u1794\u17d2\u179a\u17b6\u1780\u17cb\u1791\u17b6\u1793\u17cb\u1796\u17c1\u179b\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1780\u17d2\u179f\u17b7\u1793\u17b6\u1782\u179a\u17d4<\/li>\n
- \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1787\u17bd\u1794\u1794\u17d2\u179a\u1791\u17c7\u1780\u17b6\u179a\u179a\u17c0\u1794\u1785\u17c6\u179a\u1785\u1793\u17b6\u179f\u1798\u17d2\u1796\u17d0\u1793\u17d2\u1792\u1794\u17c6\u178e\u17bb\u179b\u17a1\u17be\u1784\u179c\u17b7\u1789\u178a\u17c2\u179b\u1780\u17b6\u178f\u17cb\u1794\u1793\u17d2\u1790\u1799\u179f\u1798\u178f\u17d2\u1790\u1797\u17b6\u1796\u17a5\u178e\u1791\u17b6\u1793\u17d4<\/li>\n
- \u1798\u17d2\u1785\u17b6\u179f\u17cb\u1794\u17c6\u178e\u17bb\u179b\u1794\u17d2\u179a\u1780\u17b6\u179f\u1796\u17d2\u179a\u17b9\u178f\u17d2\u178f\u17b7\u1780\u17b6\u179a\u178e\u17cd\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u17d4<\/li>\n<\/ul>\n<\/article>\n\n
\n \n<\/div>\nTransition Rate<\/h3>\n<\/p><\/div>\n
\u17a2\u178f\u17d2\u179a\u17b6\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1794\u17d2\u178f\u17bc\u179a\u1782\u17ba\u1787\u17b6\u1794\u17d2\u179a\u17bc\u1794\u17b6\u1794\u1793\u17c3\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u1795\u17d2\u179b\u17b6\u179f\u17cb\u1791\u17c5\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1795\u17d2\u179f\u17c1\u1784 \u178a\u17c2\u179b\u17a2\u17b6\u1785\u17a1\u17be\u1784 \u17ac\u1792\u17d2\u179b\u17b6\u1780\u17cb\u1780\u17d2\u1793\u17bb\u1784\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793\u179f\u1798\u17d2\u179a\u17b6\u1794\u17cb\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4 \u17a7\u1791\u17b6\u17a0\u179a\u178e\u17cd \u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789\/\u17a2\u17d2\u1793\u1780\u1787\u17c6\u1796\u17b6\u1780\u17cb\u178a\u17c2\u179b\u1798\u17b6\u1793\u1798\u17b6\u178f\u17d2\u179a\u178a\u17d2\u178b\u17b6\u1793 AAA \u178f\u17d2\u179a\u17bc\u179c\u1794\u17b6\u1793\u1794\u1793\u17d2\u1790\u1799\u1798\u1780 AA\u17d4<\/div>\n<\/article>\n\n \n<\/div>\nCumulative Default Rate<\/h3>\n<\/p><\/div>\n
\u17a2\u178f\u17d2\u179a\u17b6\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u179f\u179a\u17bb\u1794\u1782\u17ba\u1787\u17b6\u179a\u1784\u17d2\u179c\u17b6\u179f\u17cb\u1793\u17c3\u1785\u179b\u1793\u17b6\u1796\u17b8\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1798\u17bd\u1799\u1791\u17c5 \u201c\u1794\u17d2\u179a\u1797\u17c1\u1791\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1781\u1780\u1781\u17b6\u1793\u1794\u1784\u17cb\u1794\u17d2\u179a\u17b6\u1780\u17cb\u201d \u1780\u17d2\u1793\u17bb\u1784\u179a\u1799\u17c8\u1796\u17c1\u179b\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u17d4<\/div>\n<\/article><\/div><\/div>\n\t[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-cta”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_row_inner el_class=”rac-uratings-cta__panel”][vc_column_inner width=”2\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–copy”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-copy”]\t<\/p>\n
\n\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179a\u1794\u179f\u17cb RAC<\/h2>\n
\u179f\u17d2\u179c\u17c2\u1784\u1799\u179b\u17cb\u17a2\u17c6\u1796\u17b8\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u17ac\u179a\u1780\u1798\u17be\u179b\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 \u1793\u17b7\u1784\u1780\u17b6\u179a\u179f\u17d2\u179a\u17b6\u179c\u1787\u17d2\u179a\u17b6\u179c\u1790\u17d2\u1798\u17b8\u17d7\u17d4<\/div><\/div>\n\t[\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″ el_class=”rac-uratings-cta__col rac-uratings-cta__col–actions”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–cta-actions”]\t<\/p>\n
\n\t\t\u179f\u17c1\u179c\u17b6\u1780\u1798\u17d2\u1798\u179a\u1794\u179f\u17cb\u1799\u17be\u1784 \u2192<\/a>
\n\t\t\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1793\u17b7\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd<\/a>\n\t<\/div>\n\t[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"
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[\/vc_column_text][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–process-list”] 01 \u179f\u17d2\u1793\u17be\u179f\u17bb\u17c6\u178a\u17c4\u1799\u17a2\u17d2\u1793\u1780\u1785\u17c1\u1789 \u1785\u17bb\u17c7\u1780\u17b7\u1785\u17d2\u1785\u179f\u1793\u17d2\u1799\u17b6 02 \u1794\u17d2\u179a\u1798\u17bc\u179b\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u1787\u17bd\u1794\u1787\u17b6\u1798\u17bd\u1799\u1790\u17d2\u1793\u17b6\u1780\u17cb\u178a\u17b9\u1780\u1793\u17b6\u17c6 03 \u179c\u17b7\u1797\u17b6\u1782\u1791\u17b7\u1793\u17d2\u1793\u1793\u17d0\u1799 \u179a\u17c0\u1794\u1785\u17c6\u179f\u17c1\u1785\u1780\u17d2\u178f\u17b8\u1796\u17d2\u179a\u17b6\u1784\u179a\u1794\u17b6\u1799\u1780\u17b6\u179a\u178e\u17cd\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u17a5\u178e\u1791\u17b6\u1793 04 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1782\u178e\u17c8\u1780\u1798\u17d2\u1798\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u1794\u17c4\u17c7\u1786\u17d2\u1793\u17c4\u178f\u179f\u1798\u17d2\u179a\u17c1\u1785\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 05 \u1794\u17d2\u179a\u1787\u17bb\u17c6\u1785\u17c1\u1789\u1780\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 [\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=”rating-criteria” el_class=”rac-vc-row rac-section rac-section–muted rac-uratings-anchor rac-uratings-criteria”][vc_column width=”1\/1″ el_class=”rac-vc-column–contained”][vc_column_text el_class=”rac-understanding-ratings-textblock rac-understanding-ratings-textblock–criteria-head”] \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3 \u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u179a\u1794\u179f\u17cb\u1797\u17d2\u1793\u17b6\u1780\u17cb\u1784\u17b6\u179a\u179c\u17b6\u1799\u178f\u1798\u17d2\u179b\u17c3\u1780\u1798\u17d2\u1796\u17bb\u1787\u17b6\u1782\u17ba\u1798\u17b6\u1793\u1791\u17b7\u179f\u178a\u17c5\u1791\u17c5\u17a2\u1793\u17b6\u1782\u178f\u17d4 \u1791\u17c4\u17c7\u1794\u17b8\u1799\u17be\u1784\u1794\u17b6\u1793\u1780\u17c6\u178e\u178f\u17cb\u179b\u1780\u17d2\u1781\u178e\u17c8\u179c\u17b7\u1793\u17b7\u1785\u17d2\u1786\u17d0\u1799 \u1793\u17b7\u1784\u179c\u17b7\u1792\u17b8\u179f\u17b6\u179f\u17d2\u178f\u17d2\u179a\u1787\u17b6\u1780\u17cb\u179b\u17b6\u1780\u17cb\u178f\u17b6\u1798\u17a7\u179f\u17d2\u179f\u17b6\u17a0\u1780\u1798\u17d2\u1798 \u17ac\u179c\u17b7\u179f\u17d0\u1799\u1780\u17cf\u178a\u17c4\u1799 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