A credit estimate is a credit opinion provided by Pengyuan International for internal purpose or to an external third party about the likely issuer or issuance credit rating that Pengyuan International may potentially assign to an unrated obligor or obligation. Pengyuan International will provide the credit estimate based on a variety of information sources such as public disclosures, information provided by a third party, in-house analytical experience and knowledge, etc. Credit estimates do not involve direct interactions and discussions with an obligor’s management on its operations and strategies. Pengyuan International will conduct credit estimates according to its published rating criteria and models but will not maintain ongoing surveillance on the estimate. However, periodic reviews and updates may be provided.
In general, a credit estimate is confidential and expressed using the same Pengyuan International’s rating symbols but in lower case such as ‘a’ and ‘bbb’.
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Pengyuan International reserves the right of final interpretation of its products and services.