Please discuss these topics. Your discussion should include,
among others, the importance of credits in the capital market, the
significance of crediting ratings for your long-term viability.
demand and supply of the credit, chance of default, financial
ratios covering solvency and liquidity, the importance of credit
ratings and bankruptcy prediction model (Altman's Z score) 150
words talking about these topics, please do not write the
definitions of each item i need a discussion.