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...Investment Grade Quality (Inversión de calidad de grado) La crisis financiera del 1907 impulso la creación del Sistema de la Reserva Federal, e integro la importancia de la información de los mercados el cual implantó el análisis de la calidad crediticia de bonos. No fue hasta la década 1930, cuando el mercado estaba en crecimiento, donde las instituciones bancarias y los nuevos inversionistas deseando una mayor transparencia, provoco la aprobación de nuevas leyes, entres ellas la divulgación obligatoria para los emisores y la creación del SEC. Ya en el 1936, un nuevo conjunto de leyes se introdujeron, prohibiendo a los bancos invertir en “valores de inversión especulativos” (bonos basura). Los bancos solo se les permitió mantener el “Investment Grade” siguiendo los criterios de las tres grandes agencias crediticias: Moodys, Standar & Poors y Fitch. Ya para el 1975, la SEC modifico sus requerimientos mínimos de capital para los agentes de la bolsa, mediante clasificaciones como una medida.[1] Aunque en la actualidad se habla de tres agencias crediticias la realidad es que existen otras pero las mencionadas han tomado dominio en el mercado financiero. Aunque el propósito de cada una de ellas es poder evaluar y otorgar su “Investment Grade” aunque de manera diferente. Estas juegan un papel clave en el mercado de valores, como proveedores complementarios de análisis de crédito para los bancos y otras instituciones financieras para evaluar el riesgo de crédito de...

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