What Makes a Company You Can Entrust with Your Valuable Assets?

There are many companies that allow you to trade FX (foreign exchange) online.
But have you ever felt unsure, wondering,
“Is this company really safe, especially since it’s new in Vietnam?” or “Will they really protect my money properly?”
At times like these, what matters most is whether there is a solid basis for trust.
On this page, we’ll clearly explain why so many traders choose Hirose and why you can trust us with your valuable assets.

What is a Credit Rating?

“Will this company really return my money properly?”
“Is there a risk it might suddenly go bankrupt?”

A credit rating is a system that makes it easy to understand a company’s creditworthiness (how trustworthy it is) by having specialized agencies evaluate and present it in the form of scores or ranks.

To put it simply, it’s like a character strength score in a game or a school report card.
By just looking at the score or rank, you can judge, “This company is reliable,” or “Maybe I should be cautious here.”

Major investors place high importance on credit ratings

A high credit rating → perceived as safe → investors feel confident buying shares → stock prices rise.

A lower credit rating → perceived as risky → more investors may sell → stock prices fall.

Impacts not only stock prices but also borrowing costs

A higher credit rating means lower borrowing costs, making it easier to generate profits.
Conversely, a lower rating increases interest burdens, which negatively affects stock prices as well.

Why Are Credit Rating Agencies Considered “Fair”?

What’s Required to Receive a Credit Rating

First, a company must apply for a rating.
A rating is not automatically assigned; the company itself applies to a rating agency and signs a contract.

Documents submitted to the rating agency

To receive a rating, a company must submit a large amount of information. Based on these, the rating agency conducts a thorough review.

Required Documents	Content	Why Needed?
Financial statements	Balance sheets including revenue, profit, debt, cash flow, assets, etc.	To understand the flow of money within the company
Business plans	Future growth plans and strategies	To judge whether stable profits can be achieved
Governance information	Management structure and internal rules	To verify management soundness
Risk management materials	Crisis preparedness, insurance, internal control systems	To assess readiness for unexpected situations

Meetings and interviews

Representatives from the rating agency meet with the management team.
They also check on qualitative factors that are not reflected in numbers, such as “mindset” and “management attitude.”

Ongoing monitoring

Even after a company receives a rating, it is generally reviewed annually.
If performance improves, the rating can be upgraded; if it worsens, it may be downgraded.

To obtain a credit rating, only sound and trustworthy companies that can fully disclose their information can pass the evaluation.
Having a credit rating itself becomes a strong reassurance that proves a company’s credibility.

Credit Rating Agency Evaluation Levels

Vietnam’s Government (Sovereign) Credit Rating: “BB+”

Currently, Vietnam’s government (sovereign) credit rating is “BB+.”
This means the country is just below investment grade and is considered “in a phase of growth.”

In fact, Vietnam is attracting global attention today for several reasons:
・High economic growth rate, even within Asia
・Young and vibrant population
・Development as a manufacturing and export hub
・Continuous increase in foreign direct investment (FDI)

In other words, the “BB+” rating indicates that Vietnam is “still in the development stage, but with great potential.”
This rating is determined not only by current safety, but also by considering future growth potential.

Vietnam is expected to move up to “investment grade” in the future as its economy continues to grow.
Right now, it is truly in the “growth stage.”

The “BB+ / Ba2” ratings indicate stable operations and future growth potential, suggesting low immediate risk.
As major state-owned or quasi-state-owned banks, they benefit from strong national support and liquidity.
From a customer perspective, Vietnam’s major banks can be seen as reliable and solid choices.

What is Hirose’s Rating?

Hirose has consistently received a high rating of “BBB” from Japan Credit Rating Agency (JCR) for over 10 years.

This “BBB” rating serves as third-party proof that “the company manages funds properly and operates in a stable and trustworthy manner.” For more information, click here ➤

Additionally, Hirose was awarded the high short-term credit rating of “J-1,” demonstrating its strong ability to safeguard clients’ funds properly.

Why Choose Hirose

📈 Over 20 years of proven track record

💰 Secure fund management with trusted custody

📄 Monthly disclosure of risk and financial information

🛡️ “Trustworthiness” proven by credit rating achievements

For First-Time Customers

“Is this company really safe and reliable?”
It’s natural for anyone to feel this way at first.
That’s why Hirose has built trust through “numbers” and “results.”

For our customers in Vietnam as well,
we will continue to operate transparently and stably to remain “a place where you can safely entrust your valuable funds.”

Our long history of strong ratings and consistently sound operations are key reasons why first-time customers can choose us with confidence.