Taiwan
The D&B® Rating consists of a Composite Appraisal / Condition and Financial Strength Indicator. The Financial Strength Indicator is based on Net Worth (shareholders’ funds less any intangible assets). The Composite Appraisal / Condition is an overall evaluation of credit worthiness.
Taiwan uses a risk class rather than a risk indicator which breaks the measure of risk down to five segments.
D&B Risk Class
The D&B Risk Class is a segmentation of the scoreable universe into five distinct risk groups where a 1 represents businesses that have the lowest probability of experiencing business failure and a 5 represents businesses with the highest probability of experiencing business failure.
The following possible values exist for the Failure Risk Class Assignment.
| Risk Class | Commentary |
|---|---|
| 1 | Lower than Average |
| 2 | Above Average |
| 3 | Above Average |
| 4 | Two Times Above Average |
| 5 | Six Times Above Average |
Credit Appraisal
The following possible values exist for the Credit Appraisal in this country.
| Credit Appraisal | Corresponding Composite |
|---|---|
| High | 1 |
| Good | 2 |
| Fair | 3 |
| Limited | 4 |
Alternate Ratings Used
| O- | Should not be interpreted as indicating that credit should be denied. However the information available to D&B does not permit us to classify the company within our ratings and that further enquiry should be made before reaching a credit decision. Reasons for this include: lack of current financial information, history incomplete, negative net worth, bankruptcy/winding-up proceedings, critical financial condition |
| DS | (DUNS Support): Assigned to records that require an investigation before a rating can be assigned |
| INV | (Investigation Being Conducted): When an "INV" appears, it means an investigation is being conducted on this business to get the most current details. |
| BR | Branch Report) Branch or division locations are rated BR |
| NQ | Not Quoted: Indicates no rating can be assigned due to the nature or status of the business |
D&B Financial Strength Indicator
The symbols 5A through to HH reflect the range of tangible net worth. 1R to 3R rating are assigned based on estimated tangible net worth.
The following table possible values exist for the D&B Financial Strength Indicator in this country.
| Based on Net Worth | Based On Capital | Net Worth (in NTD) |
|---|---|---|
| 5A | 5AA | 1,500,000,000 and greater |
| 4A | 4AA | 250,000,000-1,499,999,999 |
| 3A | 3AA | 25,000,000- 249,999,999 |
| 2A | 2AA | 20,000,000- 24,999,999 |
| 1A | 1AA | 15,000,000- 19,999,999 |
| A | AA | 10,000,000-14,999,999 |
| B | BB | 5,000,000- 9,999,999 |
| C | CC | 3,000,000- 4,999,999 |
| D | DD | 2,000,000- 2,999,999 |
| E | EE | 1,000,000- 1,999,999 |
| F | FF | 750,000-999,999 |
| G | GG | 500,000-749,999 |
| H | HH | 0-499,999 |
| N | Financial Strength is negative | |
| O | Financial Strength is undisclosed | |
| NB | New business: Less than 24 months | |
| NQ | Out of business: business has ceased to operate | |
| BR | Branch or division location | |
| DS | Duns support record | |
| INV | Indicates that D&B are currently investigating this company | |
| FB | Foreign branch | |