 paeraa nundi dhigubadi vakrarekhala rakalanu sangrahinchi ,  vaati nirvachanaalanu sangrahinchi ,  vatini bullett jaabitaalo unchandi .
 prathi okkariki dabbulu kharchunu vivarimchae e okka dhigubadi vakrarekha ledhu .  dhigubadi vakratanu nirnayinchadamlo athantha mukhyamaina amsham securityla viluva kaligina kurencie .  prathi karenseeni upayoegimchae deshalu mariyu companyla aardika sthiti dhigubadi vakratanu nirnayinchadamlo praadhimika amsham .  vividha samshthalu thama credit yogyatanu batti vividha raetlaloo dabbunu teesukuntaayi .

 prabhutvaalu thama sonta currencylo jaarii chese band ‌ laku sambamdhinchina eeld karv ‌ lanu prabhutva band eeld karv  ( prabhutva vakrarekha )  antaruu .  adhika credit raetimg ‌ lu  (Aa/AA  ledha anthakante ekuva )  unna byankulu  LIBOR  ratela oddha okadhanikokati dabbulu teesukuntaayi .  yea dhigubadi vakratalu saadharanamga prabhutva vakrarekhala kante komchem ekkuvaga untai .  avi athantha mukyamainavi mariyu aardika maarketlalo vistrutamgaa upayoginchabadutunnaayi mariyu vitini  LIBOR  karv ledha swap karv ani pilustharu .  swap karv nirmaanam crinda vivarinchabadindi .

 prabhutva vakrarekha mariyu  LIBOR  vakrarekhatho paatu ,  corporate  ( kompany )  vakratalu kudaa unnayi .  carporationlu jaarii chese bandla raabadula nundi ivi nirminchabaddaayi .  chaaala prabhutvaalu mariyu chaaala peddha byaankula kante corparetion ‌ lu takuva credit yogyatanu kaligi untai kabaadi ,  yea digubadulu saadharanamga ekkuvaga untai .  corporate dhigubadi vakratalu tarachugaa sambandhitha swap karv ‌ pai  " credit spread "  paranga quote cheyabadathaai .  udaharanaku , Vodafone  choose iidu samvatsaraala dhigubadi vakrata paayint ‌ nu  LIBOR +0.25% gaaa paerkonavacchu ,  ikda  0.25% ( tarachugaa  25  basis Ballari ledha  25bps  ani vraayabadutundi )  credit spread .
1.  prabhutva vakrarekha .  idi prabhutvaalu vaari swantha currencylo jaarii chese bandlaku anugunamga umtumdi .
2. LIBOR  karv  ( ledha swap karv ).  idi peddha byankulu okadhanikokati dabbulu teesukune reetlaku anugunamga umtumdi  ( dheenini  LIBOR  raetu ani kudaa antaruu ).
3.  corporate karv  ( ledha kompany karv ).  idi carporationlu jaarii chosen bandla raabadula nundi nirminchabadindi .