{"id":3394,"date":"2021-07-09T13:11:53","date_gmt":"2021-07-09T11:11:53","guid":{"rendered":"https:\/\/bifelab.com\/the-evolution-of-rating-systems\/"},"modified":"2021-07-09T16:05:47","modified_gmt":"2021-07-09T14:05:47","slug":"the-evolution-of-rating-systems","status":"publish","type":"page","link":"https:\/\/bifelab.com\/en\/the-evolution-of-rating-systems\/","title":{"rendered":"The evolution of rating systems"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(233,30,99,0);background-position: center center;background-repeat: no-repeat;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#607d8b;padding: 5px 0px 5px 0px;\"><div class=\"fusion-text fusion-text-1\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\" style=\"background-color: rgba(255,255,255,0);background-position: left top;background-repeat: no-repeat;padding-top:50px;padding-right:0px;padding-bottom:100px;padding-left:0px;margin-bottom: 0px;margin-top: 0px;border-width: 0px 0px 0px 0px;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"margin-top:0px;margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-text fusion-text-2\"><h3>The evolution of rating systems<\/h3>\n<\/div><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: justify;\">Over time, rating functions have grown with the development of risk management. As De Laurentis and Maino (2010) state, the rating struggles to make compatible purposes &#8220;that are often misalignment and even opposed, resulting in the risk of distortions in system development and applications&#8221;.<br \/>\nIt follows that an instrument now indispensable to define the evaluation profiles of companies and customers such as the bank rating must be constantly updated. In this perspective, the study of the algorithm from which the credit merit originates (according to the Standardized Approach and Internal Ratings-Based Approach) to be assigned to entities approaching credit must receive continuous attention from the economic-business doctrine, with the aim of configuring a useful tool both to the complete evaluation of companies and to guarantee the parties involved in the bank-enterprise relationship. The measures to reform the regulatory architecture (Basel 3 and, even earlier, Basel 2) deal with the issue of assessing the credit worthiness of enterprises with the aim of ensuring the stability of the banking system and the bank-to-business relationship.<br \/>\nThe refinement of quantitative and trend information as well as the acceptance of intangible dimensions (reputation, image, trust, etc.) in the rating model suggest some changes in the relationship between bank and business and ethics and finance that need new studies and continuous insights<\/p>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":"","_members_access_role":[],"_members_access_error":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - 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