The ECAF performance monitoring process consists of an annual ex post comparison of the observed default rate for the set of all eligible debtors (the static pool) and the credit quality threshold of the Eurosystem given by the benchmark PD. It aims to ensure that the results from credit assessments are comparable across systems and sources. The monitoring process takes place one year after the date on which the static pool was defined. The first element of the process is the annual compilation by the credit assessment system provider of a static pool of eligible debtors, i.e. a pool consisting of all corporate and public debtors, receiving a credit assessment from the system satisfying the following condition: PD(i, t) ≤ 0.10 % (benchmark PD(t))
Η πηγή αυτή περιλαμβάνει εφαρμογές λογισμικού που διατίθενται από τρίτους φορείς και οι οποίες αξιολογούν την πιστοληπτική ικανότητα των οφειλετών χρησιμοποιώντας μεταξύ άλλων στοιχεία από ελεγμένες οικονομικές καταστάσεις.