moody's cooperation is among the world's one of the most respected and widely utilized sources for credit ratings and risk analysis. moody's analytics (subsidiary of moody's corporate) is major in provide quantitative credit analysis tools to lenders, investors, and corporations ,the products and services based upon a sophisticated application of modern financial theory and statistical analysis. moody’s analytics products are used by more than 2,000 leading commercial and investment banks, insurance companies, money management firms, and corporations in over 80 countries. and we have offices around the world to serve our global customer base, such as san francisco, south bend, new york, london, tokyo, singapore, hong kong, beijing, shenzhen and so on.