安融（香港）評級堅守獨立、客觀、公正、一致和審慎的評級理念，在信用評級中採用微觀與宏觀相結合，動態與靜態相結合的原則。
微觀分析和宏觀分析相結合
微觀分析的核心是企業自身信用品質分析，即從深層次考察受評物件的內在財務實力。然而，微觀分析並未著重考察受評企業所有者或債務擔保人或抵押品等外部因素對償還債務保障的程度。宏觀分析則主要著重宏觀經濟方面對企業的影響，包括市場需求、行業特徵、行業政策、企業成長性及抗風險能力等。同時也衡量受評物件從外部得到支援保障的程度等。強有力的外部償還債務支援可以彌補受評物件自身財務實力的不足。
動態分析的重點是分析貸款企業未來的債務償還能力。信用評級最重要的是動態評估受評對象信用品質的變化趨勢及其違約可能性。預測評價對象的未來經營和財務狀況時，需要考察其歷史經營業績，並且評價企業和專案的歷史經營週期特徵以及其對未來財務狀況的影響。安融（香港）評級亦在等級有效期內對可能影響受評對象的償債能力的事件和新聞作出跟蹤監測。靜態分析注重在於對歷史資料進行分析，是動態分析的基礎。
ARHK holds fast its credit rating principles of independence, objectivity, impartiality, consistence, and prudence which are materialized in its micro, macro, dynamic and static analyses.
Micro-analysis and Macro-analysis
The core of micro-analysis is the measurement of the creditworthiness of a corporation or a corporate issue that requires an in-depth evaluation of the rated entity’s intrinsic financial capacity. However, such evaluation does not take into account the level of external protection that may be available from its holding company or from any external guarantor or credit enhancement collaterals. Macro-analysis focuses on macroeconomics, such as, market demand, industry characteristics and growth prospects, effects of industry policies and a corporation's ability to minimize risks. It also measures the level of protection from external support available to the rated entity and its debt issue. Strong external support can compensate for financial weakness to a certain extent.
Dynamic Analysis and Static Analysis
Dynamic analysis focuses on the ability of a rated entity to repay debt on time. It is important to monitor changes in the creditworthiness and the possibility default of a rated entity during the credit analysis process. In predicting future business prospects and financial conditions, it is necessary to look at the rated entity’s business performance track record and the characteristics of the industry cycle that may impact on the rated entity’s future financial position. ARHK also notes and follows news that may affect the credit worthiness and repayment ability of the rated entity. Static analysis focuses on historical data analysis, which has an interactive relationship with and also informs the carrying out of dynamic analysis.