Credit rating is an assessment of credit risk from an individual, company, or a country. Credit ratings are based on financial history and current assets and liabilities. In general, a credit rating described to the lender or investor the probability of a subject level dalah implement refund / payment of debts. But in the recent credit ratings are also used to determine insurance premiums, to decide the feasibility of a job, and determining the amount of collateral value in the lease (leasing).
Table calculation of credit ratings

Low credit rating indicates a high risk of the possibility of default and therefore makes it into high-interest loans.