11.   The currency crisis in southeast Asia, moreover, could help its ratings operations there by stimulating demand for professional credit analysis and information, analysts say.

12.   The problem with the growth in demand for credit analysis is that investment banks are hiring staff from rating groups.

13.   Typically, financial institutions use credit scoring, a computer model that relies heavily on a credit history analysis of the business and its owner.

14.   The FASS aims to train finance professionals who are involved in investment and credit analysis.

15.   The main bank will continue to do the credit analysis on housing loans, the spokesman said.