{"id":25051,"date":"2025-07-04T16:23:43","date_gmt":"2025-07-04T09:23:43","guid":{"rendered":"https:\/\/dps.media\/bi-quyet-chon-doanh-nghiep-tot-qua-xep-hang-tin-nhiem\/"},"modified":"2025-07-04T16:24:13","modified_gmt":"2025-07-04T09:24:13","slug":"tips-for-choosing-good-companies-through-trust-rankings","status":"publish","type":"post","link":"https:\/\/dps.media\/en\/tips-for-choosing-good-companies-through-trust-rankings\/","title":{"rendered":"Tips for choosing a good business through credit rating"},"content":{"rendered":"

How to identify a good business among hundreds of names in the market?<\/strong> That is a question not only investors, but also business owners, financial institutions, and smart consumers are constantly seeking answers to. In the YouTube video \u201cSecrets to Choosing Good Businesses through Credit Ratings\u201d, Mr. Nguy\u1ec5n Quang Thu\u00e2n \u2013 one of the veterans in financial analysis and credit rating in Vietnam \u2013 provides a profound and independent perspective to decode that question.<\/p>

I am Hi\u1ec3n. With a special interest in the operating principles of the market, I see credit ratings not just as a technical tool, but also as a mirror reflecting transparency culture and the long-term commitment of a business. In an era where trust is becoming increasingly valuable<\/strong>, investment, cooperation, or consumption decisions cannot rely solely on intuition or brand appearance. We need clear benchmarks \u2013 and the credit rating system is one of them.<\/p>

according to a survey by the Organisation for Economic Co-operation and Development (OECD), institutional investors in Asia rank credit ratings as one of the three most important criteria when considering investing in emerging market businesses<\/strong>, including Vietnam. However, in Vietnam, this concept is still quite new, not yet popular, and not truly understood correctly.<\/p>

What makes the value of this video\u2014and the reason I chose to discuss it in depth\u2014is not only its in-depth content or the easy-to-understand explanations from experts, but the way it touches on a topic seemingly dry<\/em>, but becomes interesting when placed in the practical context of Vietnam's stock market upgrade process, along with the urgent need to professionalize the financial ecosystem.<\/p>

Is credit rating objective enough, does it really help us see the \u201ccore quality\u201d of a business<\/strong>, or is it just another formal index? Those are the questions I will explore with you through this article\u2014not to seek an absolutely correct answer, but to better see the direction towards transparency, sustainability, and wisdom in choosing trustworthy businesses.
\"Secrets<\/p>

Understanding credit ratings correctly and their role in business evaluation<\/h2>

\"Understanding<\/p>

Core functions of credit ratings in business analysis<\/h3>

Credit rating is not simply an index of debt repayment ability, but also reflects the level of transparency and overall financial health of a business from an independent and in-depth perspective. In my opinion, Hien, this is a tool that has been misunderstood or underestimated in Vietnam, while in developed markets like the US or South Korea, it is a compass for both investors and businesses. The program features Mr. Nguyen Quang Thuan\u2014Chairman of PhuP and Fin Rating\u2014who shared that a good credit rating not only helps businesses access low-cost capital, but also improves their image and reputation with shareholders.<\/strong>. A 2021 study by Moody\u2019s showed that companies with high credit ratings are able to maintain capital costs 1.81% lower than unrated industry peers. This is a strategic advantage in a competitive business environment. <\/p>\n\n\n\n\n\n\n
Criteria<\/th>\nImpact on businesses<\/th>\n<\/tr>\n<\/thead>\n
Quality of financial statements<\/strong><\/td>\nMinh b\u1ea1ch & t\u0103ng t\u00edn nhi\u1ec7m<\/td>\n<\/tr>\n
Level of debt<\/strong><\/td>\nAssessment of financial risk<\/td>\n<\/tr>\n
Cash flow from business activities<\/strong><\/td>\nDebt repayment ability and growth<\/td>\n<\/tr>\n<\/tbody>\n<\/table>

Why investors and businesses cannot ignore credit rating assessments<\/h3>

With many years of experience working in investment analysis, I realize that m\u1ed9t doanh\u200b nghi\u1ec7p \u201ct\u1ed1t\u201d kh\u00f4ng\u200d ch\u1ec9 th\u1ec3 hi\u1ec7n qua l\u1ee3i nhu\u1eadn, m\u00e0 \u2064c\u00f2n qua \u200bc\u00e1ch \u200dh\u1ecd \u0111\u01b0\u1ee3c\u2064 nh\u00ecn nh\u1eadn b\u1edfi c\u00e1c t\u1ed5 ch\u1ee9c \u200d\u0111\u00e1nh gi\u00e1 t\u00edn nhi\u1ec7m \u0111\u1ed9c \u200cl\u1eadp<\/strong>. Trong bu\u1ed5i webinar, anh Thu\u00e2n nh\u1ea5n m\u1ea1nh: \u201cTh\u1ecb tr\u01b0\u1eddng \u0111ang b\u01b0\u1edbc v\u00e0o m\u1ed9t k\u1ef7 \u2064nguy\u00ean m\u1edbi, n\u01a1i m\u1ecdi ch\u1ee7 th\u1ec3 \u2013 t\u1eeb doanh nghi\u1ec7p \u0111\u1ebfn nh\u00e0 \u2062\u0111\u1ea7u t\u01b0 \u2013 \u2063\u0111\u1ec1u ph\u1ea3i chu\u1ea9n h\u00f3a v\u00e0 chuy\u00ean \u200cnghi\u1ec7p h\u00f3a.\u201d \u0110i\u1ec1u \u0111\u00f3 ngh\u0129a l\u00e0, x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m kh\u00f4ng c\u00f2n l\u00e0 \u201c\u0111\u1eb7c quy\u1ec1n\u201d c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn, m\u00e0 ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn h\u01a1n cho doanh nghi\u1ec7p SME mu\u1ed1n g\u1ecdi v\u1ed1n.<\/p>

I often advise investors or startup founders to proactively learn how organizations like Fin Rating operate. You can start by answering the question:<\/p>