{
  "metadata": {
    "version": "3.1.0",
    "description": "Enhanced creditworthiness assessment and rating assignment decision tree with structured condition logic, explicit aggregation methods, qualitative mappings, a refined rating scale, and integration with the knowledge graph.",
    "last_updated": "2025-05-30T10:00:00Z",
    "qualitative_score_mapping": {
      "_comment": "Standard mapping for qualitative assessments to a 0-10 leaf score. Higher is better.",
      "Very Strong": 10,
      "Strong": 8,
      "High": 8,
      "Favorable": 8,
      "Positive": 8,
      "Good": 8,
      "Above Average": 7,
      "Moderate": 6,
      "Average": 5,
      "Adequate": 5,
      "Manageable": 5,
      "Sustainable": 5,
      "Stable": 5,
      "Neutral": 5,
      "Weak": 4,
      "Low": 4,
      "Limited": 4,
      "Unfavorable": 3,
      "Below Average": 3,
      "Very Weak": 2,
      "Poor": 1,
      "Ineffective": 1,
      "None": 10,
      "Yes": 2,
      "No": 8
    },
    "scoring_methodology_notes": "Leaf nodes are scored 0-10 based on conditions (using qualitative map if needed). Scores are aggregated up using 'simple_average' at metric level and 'weighted_average' at factor level. Final score (0-100 range expected) maps to rating scale."
  },
  "tree": {
    "name": "Creditworthiness Assessment and Rating Assignment",
    "type": "root",
    "children": [
      {
        "name": "Borrower Type Check",
        "type": "decision",
        "question": "Is the borrower a Company or a Sovereign entity?",
        "children": [
          {"condition": "Company", "next_node_id": "company_analysis_v3"},
          {"condition": "Sovereign", "next_node_id": "sovereign_analysis_v3"}
        ]
      },
      {
        "node_id": "company_analysis_v3",
        "type": "factor_group",
        "name": "Company Creditworthiness Analysis",
        "aggregation_method": "weighted_average",
        "children": [
          {
            "name": "Financial Risk Profile",
            "type": "factor",
            "weight": 0.45,
            "aggregation_method": "simple_average",
            "children": [
              {
                "name": "Profitability Assessment",
                "type": "metric",
                "aggregation_method": "simple_average",
                "children": [
                  {"name": "Return on Equity (ROE)", "type": "leaf", "metric_id": "roe", "condition_logic": {"operator": "ge", "value": 0.15}, "score": 10, "default_score_if_unmet": 4},
                  {"name": "Operating Margin", "type": "leaf", "metric_id": "op_margin", "condition_logic": {"operator": "ge", "value": 0.12}, "score": 9, "default_score_if_unmet": 3},
                  {"name": "Net Income Trend", "type": "leaf", "metric_id": "ni_trend", "condition_logic": {"operator": "qual_eq", "qual_value": "Consistently Growing"}, "score": 8, "default_score_if_unmet": 2}
                ]
              },
              {
                "name": "Leverage Assessment",
                "type": "metric",
                "aggregation_method": "simple_average",
                "children": [
                  {"name": "Net Debt / EBITDA", "type": "leaf", "metric_id": "net_debt_ebitda", "condition_logic": {"operator": "le", "value": 3.0}, "score": 9, "default_score_if_unmet": 2},
                  {"name": "Total Debt / Capital", "type": "leaf", "metric_id": "debt_capital", "condition_logic": {"operator": "le", "value": 0.50}, "score": 8, "default_score_if_unmet": 3}
                ]
              }
            ]
          },
          {
            "name": "Business Risk Profile",
            "type": "factor",
            "weight": 0.30,
            "aggregation_method": "simple_average",
            "children": [
              {
                "name": "Industry Risk Evaluation",
                "type": "metric",
                "aggregation_method": "simple_average",
                "children": [
                  {
                    "name": "Industry Growth Rate",
                    "type": "leaf",
                    "metric_id": "ind_growth",
                    "condition_logic": {
                      "operator": "ge",
                      "value": {
                        "type": "knowledge_graph_lookup",
                        "query": "MATCH (c:Company {id: $company_id})-[:IN_INDUSTRY]->(i:Industry) RETURN i.average_growth_rate"
                      }
                    },
                    "score": 8,
                    "default_score_if_unmet": 4
                  },
                  {
                    "name": "Industry Cyclicality",
                    "type": "leaf",
                    "metric_id": "ind_cyclicality",
                    "condition_logic": {"operator": "qual_eq", "qual_value": "Low"},
                    "score": 7,
                    "default_score_if_unmet": 3
                  },
                  {
                    "name": "Competitive Intensity",
                    "type": "leaf",
                    "metric_id": "ind_competition",
                    "condition_logic": {"operator": "qual_eq", "qual_value": "Moderate"},
                    "score": 6,
                    "default_score_if_unmet": 3
                  }
                ]
              }
            ]
          }
        ]
      }
    ]
  },
  "rating_scale": {
    "_comment": "Mapping of final aggregated score (0-100) to letter rating.",
    "95-100": "AAA",
    "90-94": "AA+",
    "85-89": "AA",
    "80-84": "AA-",
    "75-79": "A+",
    "70-74": "A",
    "65-69": "A-",
    "60-64": "BBB+",
    "55-59": "BBB",
    "50-54": "BBB-",
    "45-49": "BB+",
    "40-44": "BB",
    "35-39": "BB-",
    "30-34": "B+",
    "25-29": "B",
    "20-24": "B-",
    "15-19": "CCC",
    "10-14": "CC",
    "5-9": "C",
    "0-4": "D"
  }
}