In this blog, the author explains the steps to a dual risk rating system. In such a system, the probability of default (PD) is estimated separately from the loss given default (LGD). The expected loss for a given loan is then calculated as their product. Five essential steps to a dual risk rating system are: Understanding the key drivers of a dual risk system; Demonstrating the advantages of a dual risk rating approach through case studies; Implementing separate PD and LGD credit scoring solutions; Developing a PD and LGD mapping scale; and lastly Combining dual rating scores. Read more at : http://marketintelligence.spglobal.com/blog/risk-insight-five-essential-steps-to-a-dual-risk-rating-system

The Internet is the great equalizer as it gives small businesses marketing opportunities on par with their larger competitors. The good news is that a number of inexpensive small business marketing methods can help a business achieve its goal-and some are even free. The following are the small business Marketing Tips one can afford: 1. Post videos online

2. Post case studies on one’s website

3. Use company’s blog to reach out to prospects and customers

4. List the company on Google Maps/Local

5. Search forums for customers

6. Share information all over the Web

7. Use content curation to drive interest in the products

8. Use online services to re-target lost sales and to list products

9. Use Facebook's sponsored stories

10. Use online services to get the media's attention.

Not every marketing tactics listed above will work well for every company, but a combination of several of them—or adaptations to any of them—should be helpful to just about any company.

Read more at: 

http://www.smallbusinesscomputing.com/News/Marketing/10-affordable-small-business-marketing-strategies-3.html