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Standard & Poor' s Fundamentals of Corporate Credit Analysis [ Blaise Ganguin, John Bilardello] on. * FREE* shipping on qualifying offers. An up- to- date, accurate framework for credit analysis and decision making, from the experts at Standard & Poor' s In a world of increasing financial complexity and shorter time frames in which to assess the wealth or dearth of information. Credit is essential in the modern world and creates wealth, provided it is used wisely.