A credit assessment is a credit opinion provided by Pengyuan International for internal or external purposes, and may be expressed in descriptive terms, as a broad rating category and range, or as a specific rating level to indicate the relative credit strengths and weaknesses of an obligor or obligation, a proposed financial structure or elements of such structures. A credit assessment may be done as part of a credit rating and only focuses on limited credit matters and elements. A credit assessment is a point-in-time evaluation and does not require ongoing surveillance. However, periodic reviews and updates may be provided.

In general, a credit assessment is confidential and expressed using the same Pengyuan International rating symbols but in lower case such as ‘a’ and ‘bbb-to-bbb+’.

A credit assessment is a type of private rating.

Pengyuan International reserves the right of final interpretation of its products and services.

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