noun
credit standing; credit status
Used in financial contexts to refer to a person's or company's creditworthiness or credit rating.
融資の審査では、申込者の信用状態が重視される。
In loan screening, the applicant's credit standing is given great importance.
信用状態が悪化すると、新たな借り入れが難しくなる。
If your credit status worsens, it becomes difficult to obtain new loans.
Compound of 信用 (credit, trust) and 状態 (state, condition).