company characteristics that lower a company's BCAR score

Hi,

On battlecard # 17, we have:

  • loans to poor creditors or reinsurance with low-rated reinsurers (increases NRC for credit risk category B4)

what's the loans to poor creditors? do you mean loans to poor debtors (borrower may not be able to repay the debts), or loans from poor creditors (we borrow money from the creditors but may not be able to borrow consistently if creditor defaults)?

thanks,

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