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CONTACT US To reach our sales and support teams, visit Contact Us or call: Americas Client Service +1-212-553-1653 Asia Pacific Client Service +852-3551-3077 Japan Client Service +81-3-5408-4100 EMEA Client Service + 44-20-7772-5454 UPCOMING EVENTS 08 Oct 2014 NAIPFA 2014 Annual Conference 14 Oct 2014 2015年の邦銀のシステムアウトルック - 貸出の増加により邦銀間の信用プロファイルの差が拡大する可能性 / Japan Banking System Outlook 2015 - A Return to Lending Growth Leads to More Credit Differentiation Among Japan Banks 29 Oct 2014 Moody’s Canadian Banking and New Bank Rating Methodology Briefing More >> Topics China: Reform and Rebalancing The Chinese economy is embarking on a path of rebalancing, defined by a reorientation away from the export and investment-led development model towards a model where consumption gradually becomes a more important engine of growth. This process will be characterized by economic restructuring, policy reform, market liberalization, and credit deceleration, posing both opportunities and challenges for China's credit universe. This page provides a centralized source for Moody's research related to key credit issues in China as the country's rebalancing story unfolds. Euro Area – The Road to Sustainable Growth After several years of economic contraction, the euro area — still the second largest economic area after the US — returned to growth during the second half of 2013. This was the result of significant structural adjustment across the euro area periphery, institutional reform at the European Union and euro area levels and of a related reduction of market stress. However, growth is expected to be subdued for the foreseeable future, reflecting still large stocks of public debt, restrictive financing conditions and pre-existing long-term structural constraints (notably, poor demographic prospects). Given these obstacles, as well as the still incomplete nature of the euro area’s economic union, it is clear that the future growth model of the European Union and its core, the euro area, faces challenges. This page provides a centralized source for Moody’s research related to key credit issues concerning these matters. Emerging Markets – Prospects and Challenges After a decade of rapid growth, emerging market (EM) economies in Europe, the Middle East, Asia, Latin America and Africa are now facing a more uncertain economic outlook. For some EMs, subdued developed world demand, tighter liquidity conditions and rising political risk will undermine growth prospects and expose credit concerns. For others, structural fundamentals such as policy reform, favorable demographics, and nascent investment cycles will continue to drive macroeconomic outperformance and, by extension, improving creditworthiness. This page provides a centralized source for Moody's research related to the key credit issues impacting major emerging markets. European Banking Union Progress toward a Banking Union for the euro area has multiple implications for bank credit, systemic risk and the health of the regional economy, to which banks are the primary providers of financing. In November 2014, the European Central Bank (ECB) will become the Single Supervisor for the euro area, directly responsible for the day-to-day supervision of more than 120 banking institutions. Meanwhile, political and technical discussions continue regarding a centralized bank resolution process for the region, which will likely include the “bail-in” of creditors. Two topics of particular interest in early 2014 are the Asset Quality Review (AQR) and subsequent Stress Tests to be conducted by the ECB, in coordination with national supervisors and the European Banking Authority, as part of a Comprehensive Assessment to help improve banks’ financial footing and restore market confidence. This page highlights key Moody’s research on the credit implications for Euro Area banks and their creditors. Islamic Finance Islamic finance is one of the most dynamic sectors of global finance. For this reason, Moody's remains strongly committed to supporting its growing importance. We provide market participants with a complete range of credit expertise and experience to meet the emerging needs in this field including ratings, research and training services. Accounting Analysis, Disclosure and Reporting in the Fixed-Income Markets Issuers in the fixed-income markets disclose material information about themselves and the securities they issue at the time of the initial offering and on a regular basis. Yet the rules pertaining to financial disclosure and ongoing reporting are complex and vary considerably by sector and geography, and at times this complexity can make financial analysis very difficult for investors. This page explores this topic in detail. Covenants Investors have become increasingly concerned about event risk and the absence of meaningful covenant protections, which leaves them exposed to potential credit losses. Moody's covenant snapshots provide an informed opinion of covenant quality for both bonds and loans, helping you make better decisions and saving you time. Global Macro-Economic & Financial Risk Analysis Moody's global macro-economic and financial risk analysis helps credit professionals to "put the pieces together" in order to develop a robust risk management/investment strategy by analyzing early trends, and by uncovering the linkages between the worlds of politics, economics and finance and their impact on credit. Bank Regulation and Resolution This site contains Moody’s Investors Service research on banking regulation and risk management across all geographical franchises. We endeavour to provide our subscribers with up to the date commentaries on the latest developments in banking regulation and what they mean for banks ratings. We also provide commentaries on evolving risk management and risk governance practices and their credit implications. Bank Capital This page provides a centralized source for Moody’s publications related to the stress testing of financial institutions (banks and insurance companies) globally. Refinancing and Maturities This page presents Moody’s research on debt maturities and refunding needs for fundamental issuers. Solvency II Moody’s offers Insurers a unique blend of capital management, credit expertise, data, market standard analytics and extensive industry practice. Building on our broadly based pool of credit risk specialists and industry practitioners, Moody’s can facilitate a richer understanding of the new regulations, advise insurers on how best to approach the challenges ahead and then support them along the process. Ratings Disclosures Ratings Disclosures Terms of UsePrivacy PolicyProprietary Rights HomeResearch & RatingsProducts & SolutionsNews & EventsCareersHelpContact Us © 2014 Moody's Investors Service, Inc., Moody’s Analytics, Inc. and/or their affiliates and licensors. All rights reserved. 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