Company Rating Model
The Company Rating Model by the Austrian Institute for SME Research is a private rating tool that enables an objective estimation at the individual company level. The rating provides a clear, comprehensible and intersubjectively traceable relationship between typical balance sheet and P&L ratios, as well as company defaults. It is therefore solely a quantitative assessment tool.
The model is estimated on the basis of observed defaults and validated using in-sample and out-of-sample data. State-of-the-art methods of statistical rating methodology are applied: elastic nets (for variable reduction and selection) and logistic regression models.
The model is offered for the assessment of companies with balance sheet accounting solely (i.e. not for entities with income and expenditure statements).
The rating reports are available in German only.
Industry Rating Model
The Industry Rating Model of the Austrian Institute for SME Research and the KSV 1870 is an efficient tool for a future-oriented credit rating of numerous business sectors in Austria.
With a total of over 130 individual reports a wide range of industries are covered. The Industry Rating is updated and validated once a year (current version: February 2023). Therefore, the model guarantees a current and objective estimation of the creditworthiness of Austrian economic industries. Furthermore, the model meets all crucial scientific and practice-oriented requirements for rating models and provides reliable forecasting quality.
The model considers all key areas of influence. It describes the creditworthiness of an industry and provides clear information considering the future probability of default (PD). The PDs are derived from all single company ratings in the industry. The rating reports are available for divisions (2-digit, ÖNACE 2008) as well as for groups (3-digit, ÖNACE 2008).
The rating reports are available in German only.
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