Credit Evaluation

CG operates a fair and transparent credit rating system to encourage members to improve their financial standing and consequentially advance the construction industry.

Credit Rating System
  • In 1995, CG became the first construction guarantee institution to introduce a credit rating system. Since then, we developed and is operating construction industry-specialized credit assessment system that suits the IRB standard adopted by worldwide financial institutions by applying advanced modelling methodology to various construction business related data internally possessed and assessment know-how accumulated over two decades.
  • CG’s credit rating model analyzes various aspects of a company by evaluating their financial and non-financial status based on the size of the company.
Credit Grade System
  • CG’s credit rating model includes an early warning system for credit ratings that assigns companies one of ten grades : AAA, AA, A, BBB, BB, B, CCC, CC, C, D.
  • Credit rating is applied as the standard to differentiate guarantee limit, premium rate, loan interest rate, etc.