Guidelines on Internal Credit Risk Rating (ICRR) system for banks
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Guidelines on Internal Credit Risk Rating (ICRR) system for banks
worldbanks.news
Background of Internal Credit Risk Rating System
- Lending Risk Analysis (LRA)- 1993
- Credit Risk Grading (CRG) 2005
- Internal Credit Risk Rating System 2018
Background of Internal Credit Risk Rating System
- Prepared for 20 Different Sectors .
- Ideal Assessment Parameters Fixed on the Analysis of three-year Data of 220 Audited Financial Statements Collected From 22 Scheduled Banks .
- Data also collected from 54 Companies Listed on Dhaka Stock Exchange
DEFINITION:
- ICRRS refers to the system to analyze a borrower’s repayment ability based on information about a customer’s financial condition including their liquidity, cash flow, profitability, debt profile, market indicators, industry and operational background, management capabilities, and other indicators.
- The summary indicator derived from the system will be called Internal Credit Risk Rating (ICRR).
Use of Internal Credit Risk Rating (ICRR) – (Four Uses)
- To provide a granular, objective , transparent, and consistent framework for the measurement and assessment of customers’ credit risk.
- To facilitate the portfolio management activities.
- To assess the quality of individual borrower to help the banks to determine the quality of the credit portfolio, line of business, the branch or the Bank as a whole.
- To be used for individual credit selection, credit pricing, and setting credit limit and terms and conditions.
Function of ICRR System –(Three Functions)
- ICRR System a Fully Automated System that calibrates the characteristics of different sector and industries in one single model;
- If the borrower is in multiple lines of business, the sector should be used for assessing the line of business generating the highest portion of the revenue &/or profit.
- If there is no particular line of businesses can be singled out- the ICRRS should be conducted using “other industry- if manufacturing” or “other service-if service”.
General Instructions –(Ten Instructions )
- Using ICRR by Bangladeshi Bank without making any changes, extensions, modification or deletion.
- ICRR for all exposures except consumer loans, small enterprises having total loans exposure less than BDT 50 lac, short term agree , micro-credit and loan to bank, NBFI and Insurance.
- The quantitative part of the ICRR completed by an analyst other than Relationship Manager.
- Verified by an independent verifier on an on-going basis.
- Relationship Manager shall complete the qualitative assessment part .
- ICCR shall be an integral part of the credit approval process.
- Independent credit risk function responsible for the accuracy and integrity of the rating.
- The executive summary report of the ICRR of the borrower shall be approved and signed by the Chief Risk Officer (CRO) and
- Those loans that are approved below the CRO level e.g zonal office or branch office, the executive summary report of the ICRR shall be approved and signed by the final approval authority
- Banks shall use the latest audited financial statements of the borrower.
- All credit proposals whether new, renewal or enhancement shall be gone through the ICRR process .
- A set of the ICRR report shall be retained in the credit file.
- The Relationship Manager shall pass the approved ICRR report to the related department for updating their MIS/record.
- Banks shall conduct the routine internal audit to check whether the ICRRS is functioning as per the instructions laid down in the guidelines.
Frequency of Credit Risk Scoring
- ICRR shall be conducted for all credit proposals including renewal or enhancement of the existing proposal;
- For existing credit relationship, the ICRR shall be reviewed at least annually at the time of annual/regular credit review.
Selected Sectors :
Industry (14 Sectors)
Ready Made Garments (RMG), Textile (including spinning, knitting, weaving), Food and Allied Industries, Pharmaceutical, Chemical, Fertilizer, Cement, Ceramic, Ship building, Ship breaking, Jute Mills, Steel Engineering, Power and Gas, Other industry (only to be selected if the borrower falls under industry but does not fit with other 13 specific sub-categories)
- Trade and Commerce
- Agro Base and Agro Processing
- Service (Four Sectors )
Credit Risk Rating Scores:
The ICRR consists of 4-notched rating system covering the Quantitative and Qualitative parameters.
Definitions of Credit Risk Rating:
Excellent :
- Aggregate score of 80 or greater in ICRR.
- Strong repayment capacity of the borrower evident by the high liquidity, low leverage, strong earnings, and cash flow
- Borrower has well established strong market share.
- Very good management skill & expertise.
Good :
- Aggregate score of 70 or greater but less than 80 and the quantitative score of at least 30.
- These borrowers are not as strong as “Excellent “borrowers, but still demonstrate consistent earnings, cash flow and have a good track record.
- Borrower is well established and has strong market share.
- Very good management skill & expertise.
Marginal :
- Aggregate score of 60 or greater but less than 70 and the quantitative score of at least 30.
- This grade has potential weaknesses that deserve management’s close attention. If left uncorrected, these weaknesses may result in a deterioration of the repayment prospects of the borrower.
Unacceptable:
- Aggregate score of less than 60
- Financial condition is weak and no capacity or inclination to repay.
- Severe management problems exist.
- Facilities should be downgraded to this grade if sustained deterioration in financial condition is noted (consecutive losses, negative net worth, excessive leverage).
Management Action Triggers (Seven Triggers):
- Banks are allowed lending to a borrower if the borrower’s ICRR is “Excellent” or “Good”
- For the “Marginal “cases, the bank shall take cautionary measures in renewing the facilities or lending new money to the customers.
- No loan can be sanctioned to borrowers whose ICRR is “Unacceptable” unless the loan is 100% cash covered or guaranteed by the government, sovereign entity or banks or the loan is for any state-owned organization or state-owned project.
- If the ICRR falls under “Marginal” or “Unacceptable” for any risk criteria (among 16 quantitative and 18 qualitative); whatever the aggregate score is, the relationship manager should evaluate what would be the impacts of such on loan repayment and justify how those risk(s) is(are) mitigated;
- In deriving ICRR, whatever score a borrower gets in the qualitative analysis if the score in the quantitative part is less than 50%, the borrower’s ICRR shall be “Unacceptable”.
- Bank can make renewal and enhancement of existing loans for maximum 2 (two) times if the borrower’s ICRR is “Unacceptable”.
- In conducting qualitative analysis, justifications for all criteria are required to be documented.
- Bank must maintain portfolio level data base for the asset base with “Excellent”, “Good” “Marginal” and “Unacceptable” category and maintains risk appetite/tolerance level for portfolio.
Exceptions to Credit Risk Scoring (Seven Exceptions ):
- For a newly established company with no meaningful financial statement, the bank can apply a manual rating based on the projected financial statements .
- For the Above , rating of the borrower shall not better than Marginal. However, the bank must run the rating module once the full year audited financial statements are available.
- For large business conglomerate, rating substitution is allowed based on the rating of Corporate Guarantor (legally enforceable, irrevocable and unconditional) of the performing concern of the same group or holding company.
- ICRR shall be conducted on the guarantor to determine whether the guarantor has the ability to support the borrower at the time of need.
- Rating generation is discouraged using outdated financial statements (i.e available audited financial statements are more than 18 months old).
- In exceptional cases where there is valid reason for delay in audited financial publication, out dated financial statements can be accepted only if up to date unaudited financial statement is submitted, but the rating shall not be better than “Marginal”. In this case, the conditioned mentioned in para 1.10(a) is to be followed.
- Rating shall be downgraded if there is any internal/external factors or information that have not been captured in the rating/financial statements .
- For the proprietorship & partnership, un audited financial statement can be used but due diligence should be conducted on financial statements through checking bank statements recording the sales collection, stock/receivable position, peer analysis, bank liabilities etc.
- If the customer is in multiple lines of business, the most appropriate sector/industry shall be the line of business generating revenue more than 50% of total revenue. If there is no particular line of businesses can be singled out- the rating for “other industry” or “other services” should be used.
- This guideline and enclosed model will be the minimum standard of risk rating; and banks may adopt more sophisticated risk rating model in line with the size and complexity of their business.
Quantitative Indicators and Associated Weights ( Six Broad Categories):
| Quantitative Indicators | Weight | Definition | |
| 1.Leverage (10%) | a) Debt to Tangible Net Worth (DTN) | 7 | Total Interest-bearing liabilities or Financial Debt/ Total Tangible Net Worth |
| b) Debt to Total Assets (DTA) | 3 | Total Interest-Bearing Liabilities or Financial Debt/ Average Total Assets | |
| 2.Liquidity (10%) | a) Current Ratio (CR) | 7 | Current Assets/ Current Liabilities |
| b) Cash Ratio (Cash) | 3 | Cash and easily marketable securities/ Current Liabilities | |
| 3.Profitability (10%) | a) Net Profit Margin (NPM) | 5 | Net profit after tax/ Net Sales |
| b) Return on Assets (ROA) | 3 | Net profit after tax/ Average Total Assets | |
| c) Operating Profit to Operating Assets (OPOA) | 2 | Operating Profit/ Average Operating Assets | |
Quantitative Indicators and Associated Weights:
| Quantitative Indicators | Weight | Definition | |
| 4.Coverage 15% | a)Interest Coverage (IC) | 3 | Earnings Before Interest and Tax/Interest Expense |
| b)Debt Service Coverage Ratio (DSCR) | 5 | Earnings Before Interest Tax Depreciation Amortization/ Debts to be Serviced | |
| c) Financial Debt to Operating Cash Flow (FDCF) | 4 | Financial Debt / Operating Cash Flow | |
| d) Cash flow Coverage Ratio (CCR) | 3 | Cash flow from operation / Debts to be Serviced | |
| 5.Operational Efficiency (10%) | a) Stock Turnover Days (STD) | 4 | (Total Inventory/COGS)*360 |
| b) Trade Debtor Collection Days (TDCD) | 3 | (Total Accounts Receivable/ Sales)*360 | |
| c) Asset Turnover (AT) | 3 | Sales /Average Total Assets | |
| 6.Earning Quality (5%) | a) Operating Cash Flow to Sales (CFS) | 3 | Operating Cash flow / Sales |
| b) Cash flow based accrual ratio (CAR) | 2 | =NI-(CFO+CFI) /Average Net Operating Assets | |
Qualitative Indicators and Associated Weights:
| Indicators | Weights |
| 1. Performance Behavior | 10 |
| Performance Behavior With Banks Borrowings | 9 |
| Performance Behavior With Suppliers/ Creditors | 1 |
| 2. Business and Industry Risk | 7 |
| Sales Growth | 2 |
| Age Of Business | 2 |
| Industry Prospects | 1 |
| Long-Term External Credit Rating Of The Borrower | 2 |
| 3. Management Risk | 7 |
| Experience Of The Management | 2 |
| Existence Of Succession Plan | 2 |
| Auditing Firms | 2 |
| Change In Auditors In Last 4 Years | 1 |
| Total | 40 |
Qualitative Indicators and Associated Weights
| 4. Security Risk | 11 |
| Primary Security | 2 |
| Collateral | 2 |
| Collateral/ Security Coverage | 5 |
| Type Of Guarantee | 2 |
| 5. Relationship Risk | 3 |
| Account Conduct | 3 |
| 6. Compliance Risk | 2 |
| Compliance With Environmental Rules, Regulations And Covenants | 1 |
| Corporate Governance | 1 |
| Total | 40 |
Input Primary Information of Borrower and Select Sector/ Industry of the Borrower:
| Bank’s Name | : | ABC Bank Limited |
| Branch Name | : | Gulshan |
| File/ Reference No | : | 10000/100/10/1 |
| Borrower Name | : | XYZ Limited |
| Group Name, if any | : | PQR |
| Type of Industry/ Sector | : | 1. RMG |
| Industry Code | : | 101 |
| Ownership Type | : | Sole Proprietorship |
| Registration No/Trade License No | : | 123 |
| CIB Status | : | Standard |
| Financials Audit Status: | : | Audited |
| Name of Audit Farm | MNO | |
| Analyst Name, Designation | : | PQR |
| Verifier Name, Designation | : | UBW |
| Date of Financials | : | 43191 |
| Date of Analysis (DD-MM-YYYY) | : | 43191 |
| Date of Verification (DD-MM-YYYY) | : | 43191 |
Input data of balance sheet, profit and loss statement and cash flow statement:
- In the input sheet of the balance sheet, profit, and loss statement and cash flow statement, Input must be given to all cells that are marked with yellow colors.
- Moreover, while providing input to the balance sheet, profit and loss statement and cash flow statement following issues should be taken care of:
a) Current Portion of Long-Term Borrowing/Loan
- Input must be given to this cell. If “Current Portion of Long-Term Borrowing/Loan” is not found in the balance sheet, the analyst shall communicate this to the borrower.
- If the amount is already added with the total loans in the balances sheet then “Current Portion of Long-Term Borrowing/Loan” must be deducted from the total loans and must insert the split figures in related cells.
- If the figure is still zero, it means the borrower has no existing long-term borrowings; which is unusual. If found so, the analyst should interview the borrower.
- If the analyst becomes certain that the borrower has no existing borrowings, then 0.01 shall be inserted in the corresponding cell.
b) Other Current Liabilities:
- To make the balance sheet balance i.e assets = liabilities + equity, deduct amount 0.01 in this cell, if the same is inserted in row 56: Current Portion of Long-Term borrowing/ Loan.
c) Financial/Interest Expenses
- Input must be given to this cell. If not found in the P&L, the analyst shall look into the notes of financial statement and communicate with the borrower to determine the amount.
- If the figure is zero, it means the borrower has no existing borrowings; which is unusual.
- If the analyst becomes certain that the borrower has no existing borrowings, then figure 1 must be inserted in the corresponding cell.
Qualitative Analysis:
| G | Performance Behavior | 10 | |
| G.1 | Performance behavior with banks borrowings | ||
| G.1.1 | How many times the borrower got adversely classified in last 3 years | ||
| [ Aversely classified means the borrower’s loans classified as per BB loan classifications policy i.e SS, DF, BL] | 0 time | 5 | |
| 1 time | 4 | ||
| 2 times | 3 | ||
| 3 times | 1 | ||
| >3 times | 0 | ||
| G1.2 | How many times the borrower’s loans got rescheduled/ restructured in last 3 years | ||
| 0 time | 4 | ||
| 1 time | 3 | ||
| 2 times | 2 | ||
| 3 times | 1 | ||
| >3 times | 0 | ||
| G.2 | Performance behavior with suppliers/ Creditors | ||
| Did the borrower pay its Suppliers/ Creditors regularly in last 1 year | Yes | 1 | |
| No | 0 |
| H | Business and Industry Risk | 7 | |
| H.1 | Sales Growth | ||
| * Sales growth means the growth of sales from previous year sales | >10% | 2 | |
| The formula for calculating sales growth is [(current year sales – previous year sales)/ previous year sales]*100 | 5%-10% | 1 | |
| Less than 5% | 0 | ||
| H.2 | Age of Business | ||
| The number of years the borrower | >10 years | 2 | |
| engaged in the primary line of business | 7 to 10 years | 1.5 | |
| 5 to 7 years | 1 | ||
| 4 to 5 years | 0.5 | ||
| <4 years | 0 | ||
| H.3 | Industry Prospects | ||
| Critical assessment of 5 (five) years prospect of industry and borrower’s sales volatility | Growing and Low volatility | 1 | |
| * Volatility denotes sales volatility | Stable | 0.75 | |
| Growing but High Volatility | 0.5 | ||
| Declining | 0 | ||
| H.4 | Long-Term External Credit Rating of the Borrower | ||
| 1 | 2 | ||
| Rating Grade should be assigned in line with BB Rating Mapping as per BRPD circular 14/2018 on Risk-Based Capital Adequacy in line with Basel III. | 2&3 | 1.5 | |
| >3 | 0.5 | ||
| Unrated | 0 | ||
| I | Management Risk | 7 | |
| I.1 | Experience of the Management | ||
| Quality of the management based on total number of years of experience of the senior management in the Industry. | More than 10 years in the related line of business | 2 | |
| * Senior Management means MD and next two tiers | 5–10 years in the related line of business | 1 | |
| Less than 5 years | 0 | ||
| I.2 | Existence of Succession Plan | ||
| Yes, with good capability of successor | 2 | ||
| Yes, but questionable capacity of successor | 1 | ||
| No successor | 0 | ||
| I.3 | Auditing Firms | ||
| BSEC listed auditors are considered as recognized | Recognized Auditors | 2 | |
| Other Auditors | 1 | ||
| Un audited | 0 | ||
| I.4 | Change in Auditors in last 4 years | ||
| Yes | 1 | ||
| No | 0 |
| J | Security Risk | 11 | |
| J.1 | Primary Security | ||
| Fully Pledged Facilities | 2 | ||
| Registered Hypothecation (1st Charge/1st Pari passu Charge) | 1.5 | ||
| 2nd charge/Inferior charge | 1 | ||
| No security | 0 | ||
| J.2 | Collateral | ||
| Registered Mortgage on Municipal corporation/Prime Area property | 2 | ||
| Registered Mortgage on Pourashava/Semi-Urban/ Union parishad area property | 1.5 | ||
| Equitable Mortgage or No property but Plant and Machinery as collateral | 1 | ||
| No collateral | 0 | ||
| J.3 | Collateral Coverage | ||
| The formula of collateral coverage is [forced sale value of collateral/ total loans] | >100% | 5 | |
| 80% to 100% | 4 | ||
| * Forced sale value should be determined as per policies of BB. If there is no policy bank should determine their own policy. | 70% to 80% | 3 | |
| 50% to 70% | 2 | ||
| <50% | 0 | ||
| J.4 | Type of guarantee | ||
| Bank Guarantee | 2 | ||
| Strong Corporate Guarantee means the credit rating of the guarantor should be at least 1 or 2 as per BB rating mapping mentioned in BRPD circular 18/2014 on Risk Based Capital Adequacy in line with Basel III. | Strong Corporate Guarantee | 1.5 | |
| Personal Guarantees or Corporate Guarantee without Strong Financial Strength | 1 | ||
| No support/guarantee | 0 |
| K | Relationship Risk | 3 | |
| K.1 | Account Conduct | More than 3 years Accounts with Faultless Record | 3 |
| Less than 3 years Accounts with faultless record | 2 | ||
| Accounts having satisfactory dealings with some late payments. | 1 | ||
| Frequent Past dues & Irregular dealings in account | 0 |
| L | Compliance Risk | 2 | |
| L.1 | Compliance with environmental rules, regulations and covenants | ||
| Yes | 1 | ||
| No | 0 | ||
| L.2 | Corporate Governance | ||
| Independence of Management | Good Corporate Governance | 1 | |
| Questionable Corporate Governance | 0 | ||
| Total | 40 |
end of worldbanks.news
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Даркнет – темное пространство Интернета, доступное только для тех, кто знает правильный вход. Этот закрытый уголок виртуального мира служит местом для анонимных транзакций, обмена информацией и взаимодействия засекреченными сообществами. Однако, чтобы погрузиться в этот темный мир, необходимо преодолеть несколько барьеров и использовать особые инструменты.
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Электронные валюты и биткоины: В даркнете часто используются цифровые финансы, в основном биткоины, для конфиденциальных транзакций. Перед входом в даркнет следует ознакомиться с основами использования электронных валют, чтобы избежать финансовых рисков.
Правовые аспекты: Следует помнить, что многие действия в даркнете могут быть противозаконными и противоречить законам различных стран. Пользование даркнетом несет риски, и неразрешенные действия могут привести к серьезным юридическим последствиям.
Заключение: Даркнет – это неизведанное пространство сети, преисполненное анонимности и тайн. Вход в этот мир требует специальных навыков и предосторожности. При всем мистическом обаянии даркнета важно помнить о возможных рисках и последствиях, связанных с его использованием.
Введение в Даркнет: Уточнение и Главные Характеристики
Разъяснение термина даркнета, его отличий от привычного интернета, и ключевых черт этого таинственного мира.
Как Войти в Даркнет: Руководство по Скрытому Входу
Детальное разъяснение шагов, требуемых для доступа в даркнет, включая использование эксклюзивных браузеров и инструментов.
Адресация сайтов в Темном Интернете: Тайны .onion-Доменов
Пояснение, как работают .onion-домены, и какие ресурсы они содержат, с акцентом на безопасном поисковой активности и использовании.
Защита и Конфиденциальность в Даркнете: Меры для Пользовательской Защиты
Рассмотрение методов и инструментов для сохранения анонимности при эксплуатации даркнета, включая виртуальные частные сети и другие средства.
Электронные Валюты в Даркнете: Роль Биткоинов и Криптовалют
Исследование использования криптовалют, в главном биткоинов, для совершения анонимных транзакций в даркнете.
Поисковая Активность в Даркнете: Особенности и Риски
Изучение поисковиков в даркнете, предостережения о потенциальных рисках и нелегальных ресурсах.
Правовые Аспекты Даркнета: Последствия и Результаты
Рассмотрение законных аспектов использования даркнета, предостережение о возможных юридических последствиях.
Даркнет и Информационная Безопасность: Возможные Опасности и Противозащитные Действия
Изучение возможных киберугроз в даркнете и рекомендации по обеспечению безопасности от них.
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Рассмотрение влияния даркнета в области социальных взаимодействий и формировании скрытых сообществ.
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Telegram – это популярный мессенджер, отмеченный своей высокой степенью шифрования и безопасности данных пользователей. Однако, в современном цифровом мире тема взлома Телеграм периодически поднимается. Давайте рассмотрим, что на самом деле стоит за этим понятием и почему взлом Телеграм чаще является мифом, чем реальностью.
Кодирование в Telegram: Основные принципы Защиты
Telegram славится своим превосходным уровнем кодирования. Для обеспечения конфиденциальности переписки между участниками используется протокол MTProto. Этот протокол обеспечивает конечно-конечное шифрование, что означает, что только отправитель и получатель могут читать сообщения.
Мифы о Нарушении Telegram: По какой причине они возникают?
В последнее время в сети часто появляются утверждения о нарушении Telegram и доступе к личным данным пользователей. Однако, основная часть этих утверждений оказываются неточными данными, часто развивающимися из-за недопонимания принципов работы мессенджера.
Кибератаки и Раны: Фактические Опасности
Хотя нарушение Телеграма в большинстве случаев является сложной задачей, существуют актуальные угрозы, с которыми сталкиваются пользователи. Например, атаки на индивидуальные аккаунты, вредоносные программы и другие методы, которые, тем не менее, нуждаются в личном участии пользователя в их распространении.
Охрана Персональных Данных: Советы для Участников
Несмотря на непоявление точной опасности взлома Telegram, важно соблюдать базовые меры кибербезопасности. Регулярно обновляйте приложение, используйте двухфакторную аутентификацию, избегайте подозрительных ссылок и фишинговых атак.
Итог: Реальная Угроза или Паника?
Взлом Telegram, как обычно, оказывается мифом, созданным вокруг обсуждаемой темы без явных доказательств. Однако безопасность всегда остается приоритетом, и пользователи мессенджера должны быть бдительными и следовать советам по обеспечению безопасности своей личной информации
Взлом WhatsApp: Фактичность и Легенды
Вотсап – один из известных мессенджеров в мире, широко используемый для передачи сообщениями и файлами. Он прославился своей кодированной системой обмена данными и гарантированием конфиденциальности пользователей. Однако в сети время от времени появляются утверждения о возможности взлома Вотсап. Давайте разберемся, насколько эти утверждения соответствуют фактичности и почему тема нарушения WhatsApp вызывает столько дискуссий.
Кодирование в WhatsApp: Защита Личной Информации
WhatsApp применяет end-to-end кодирование, что означает, что только передающая сторона и получатель могут понимать сообщения. Это стало основой для доверия многих пользователей мессенджера к защите их личной информации.
Мифы о Нарушении WhatsApp: По какой причине Они Появляются?
Сеть периодически наполняют слухи о нарушении WhatsApp и возможном доступе к переписке. Многие из этих утверждений порой не имеют оснований и могут быть результатом паники или дезинформации.
Реальные Угрозы: Кибератаки и Охрана
Хотя взлом Вотсап является сложной задачей, существуют реальные угрозы, такие как кибератаки на отдельные аккаунты, фишинг и вредоносные программы. Исполнение мер охраны важно для минимизации этих рисков.
Охрана Личной Информации: Советы Пользователям
Для укрепления безопасности своего аккаунта в WhatsApp пользователи могут использовать двухэтапную проверку, регулярно обновлять приложение, избегать сомнительных ссылок и следить за конфиденциальностью своего устройства.
Заключение: Реальность и Осторожность
Нарушение Вотсап, как правило, оказывается трудным и маловероятным сценарием. Однако важно помнить о реальных угрозах и принимать меры предосторожности для защиты своей личной информации. Соблюдение рекомендаций по безопасности помогает поддерживать конфиденциальность и уверенность в использовании мессенджера
Взлом Вотсап: Фактичность и Мифы
WhatsApp – один из самых популярных мессенджеров в мире, широко используемый для передачи сообщениями и файлами. Он известен своей кодированной системой обмена данными и обеспечением конфиденциальности пользователей. Однако в сети время от времени появляются утверждения о возможности взлома Вотсап. Давайте разберемся, насколько эти утверждения соответствуют реальности и почему тема нарушения WhatsApp вызывает столько дискуссий.
Шифрование в WhatsApp: Охрана Личной Информации
Вотсап применяет точка-точка шифрование, что означает, что только отправитель и получающая сторона могут понимать сообщения. Это стало основой для уверенности многих пользователей мессенджера к защите их личной информации.
Легенды о Нарушении Вотсап: Почему Они Появляются?
Сеть периодически наполняют слухи о взломе Вотсап и возможном доступе к переписке. Многие из этих утверждений часто не имеют обоснований и могут быть результатом паники или дезинформации.
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Хотя нарушение Вотсап является сложной задачей, существуют реальные угрозы, такие как кибератаки на отдельные аккаунты, фишинг и вредоносные программы. Соблюдение мер безопасности важно для минимизации этих рисков.
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Итог: Фактическая и Осторожность
Взлом WhatsApp, как обычно, оказывается трудным и маловероятным сценарием. Однако важно помнить о актуальных угрозах и принимать меры предосторожности для защиты своей личной информации. Исполнение рекомендаций по безопасности помогает поддерживать конфиденциальность и уверенность в использовании мессенджера.
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실행 금액(Exercise Price): 해외선물에서 행사 금액은 옵션 계약에 따라 지정된 금액으로 계약됩니다. 종료일에 이 가격을 기준으로 옵션을 실행할 수 있습니다.
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매도 옵션(Put Option)과 매수 옵션(Call Option): 매도 옵션은 기초자산을 명시된 금액에 매도할 수 있는 권리를 제공하며, 콜 옵션은 기초자산을 명시된 가격에 매수하는 권리를 부여합니다.
옵션료(Premium): 해외선물 거래에서는 옵션 계약에 대한 옵션료을 지불해야 합니다. 이는 옵션 계약에 대한 가격으로, 시장에서의 수요와 공급에 따라 변동됩니다.
실행 방식(Exercise Strategy): 거래자는 종료일에 옵션을 실행할지 여부를 선택할 수 있습니다. 이는 마켓 상황 및 투자 플랜에 따라 차이가있으며, 옵션 계약의 수익을 최대화하거나 손해를 감소하기 위해 판단됩니다.
마켓 리스크(Market Risk): 외국선물 거래는 마켓의 변화추이에 영향을 받습니다. 시세 변동이 기대치 못한 방향으로 일어날 경우 손해이 발생할 수 있으며, 이러한 마켓 리스크를 감소하기 위해 거래자는 전략을 구축하고 투자를 계획해야 합니다.
골드리치와 동반하는 해외선물은 보장된 믿을만한 수 있는 운용을 위한 가장좋은 옵션입니다. 투자자분들의 투자를 지지하고 가이드하기 위해 우리는 최선을 다하고 있습니다. 공동으로 더 나은 내일를 지향하여 나아가요.
해외선물
국외선물의 시작 골드리치와 함께하세요.
골드리치는 길고긴기간 고객님들과 더불어 선물시장의 행로을 함께 여정을했습니다, 회원님들의 보장된 투자 및 건강한 수익성을 향해 언제나 전력을 다하고 있습니다.
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국외선물이란?
다양한 정보를 확인하세요.
외국선물은 국외에서 거래되는 파생금융상품 중 하나로, 명시된 기반자산(예시: 주식, 화폐, 상품 등)을 기초로 한 옵션 약정을 말합니다. 본질적으로 옵션은 특정 기초자산을 향후의 어떤 시기에 일정 가격에 사거나 매도할 수 있는 자격을 부여합니다. 국외선물옵션은 이러한 옵션 계약이 국외 마켓에서 거래되는 것을 지칭합니다.
국외선물은 크게 매수 옵션과 매도 옵션으로 구분됩니다. 콜 옵션은 지정된 기초자산을 미래에 일정 금액에 사는 권리를 제공하는 반면, 풋 옵션은 명시된 기초자산을 미래에 일정 가격에 매도할 수 있는 권리를 제공합니다.
옵션 계약에서는 미래의 특정 날짜에 (만료일이라 칭하는) 정해진 금액에 기초자산을 사거나 팔 수 있는 권리를 보유하고 있습니다. 이러한 가격을 실행 금액이라고 하며, 만기일에는 해당 권리를 실행할지 여부를 판단할 수 있습니다. 따라서 옵션 계약은 투자자에게 향후의 가격 변화에 대한 보호나 수익 창출의 기회를 허락합니다.
외국선물은 시장 참가자들에게 다양한 운용 및 차익거래 기회를 열어주며, 외환, 상품, 주식 등 다양한 자산유형에 대한 옵션 계약을 포함할 수 있습니다. 거래자는 풋 옵션을 통해 기초자산의 하향에 대한 안전장치를 받을 수 있고, 매수 옵션을 통해 활황에서의 이익을 겨냥할 수 있습니다.
해외선물 거래의 원리
실행 가격(Exercise Price): 외국선물에서 행사 금액은 옵션 계약에 따라 지정된 가격으로 약정됩니다. 만기일에 이 금액을 기준으로 옵션을 실현할 수 있습니다.
만료일(Expiration Date): 옵션 계약의 만기일은 옵션의 행사가 불가능한 최종 일자를 의미합니다. 이 일자 다음에는 옵션 계약이 종료되며, 더 이상 거래할 수 없습니다.
매도 옵션(Put Option)과 매수 옵션(Call Option): 풋 옵션은 기초자산을 명시된 금액에 팔 수 있는 권리를 허락하며, 콜 옵션은 기초자산을 명시된 가격에 사는 권리를 제공합니다.
계약료(Premium): 국외선물 거래에서는 옵션 계약에 대한 계약료을 납부해야 합니다. 이는 옵션 계약에 대한 가격으로, 마켓에서의 수요와 공급에 따라 변동됩니다.
행사 방식(Exercise Strategy): 거래자는 만료일에 옵션을 실행할지 여부를 선택할 수 있습니다. 이는 시장 상황 및 투자 전략에 따라 상이하며, 옵션 계약의 수익을 최대화하거나 손실을 최소화하기 위해 결정됩니다.
시장 리스크(Market Risk): 외국선물 거래는 시장의 변동성에 영향을 받습니다. 시세 변화이 기대치 못한 방향으로 발생할 경우 손실이 발생할 수 있으며, 이러한 마켓 위험요인를 감소하기 위해 투자자는 계획을 구축하고 투자를 계획해야 합니다.
골드리치와 동반하는 해외선물은 안전하고 확신할 수 있는 투자를 위한 최적의 옵션입니다. 회원님들의 투자를 뒷받침하고 가이드하기 위해 우리는 최선을 다하고 있습니다. 함께 더 나은 내일를 지향하여 전진하세요.
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