A User may define his own standard for creating credit risk measures. In the User standard you may:

• select other variables (economic and financial ratios) for the creation of different risk measures from the ones proposed in the PONT Info standard. These ratios are selected from among the ratios included in PONT Info - Region and PONT Info - Self - Government Finance databases,
• specify the nature of these ratios (a stimulant, a destimulant and if the taxonomic method is used, then also a nominant as an addition to the PONT Info standard),
• define the manner of setting the value of ratios for a model local self-government unit (selecting the lowest or highest values observed in local self-government units subject to the comparison if they are stimulants or destimulants, providing a specific value for a nominant),
• define the rules for creating the ratios (static, dynamic),
• define weights for the ratios.