信用評級慨目的係顯示被評級對象信貸違約風險嘅大細，一般係由ㄧ啲專門做信貸評級嘅機構負責。評估機構會針對被評級嘅對象嘅金融狀況 同有關嘅歷史數據進行調查、分析， 然後對整體信貸狀況比一個評級。
The purpose of credit rating is to show the size of the credit default risk of the rated object, which is generally the responsibility of some institutions specializing in credit rating. The rating agency will investigate and analyze the financial status of the rated object and the relevant historical data, and then rate the overall credit status of the object.