Scientific Journal of KubSAU

The article is devoted to the study of rating the creditworthiness of banks. The concept and the process of ranking have been revealed. The authors give a retrospective analysis of the development of views on the formation of ratings in the banking sector. Particular attention is paid to the methodology of Moody's, the largest rating agency, which is based not only on the study of the set of key performance indicators of the company at the micro and the macro level, but also takes into account the quality of company management and current trends in the industry. On the basis of gradation we made a comparative analysis of methods of ratings by Standard and poor's, and Moody's rating agencies, which allows identifying the unity of their approaches to evaluating the creditworthiness of companies. Along with international experience rating, we have studied Russian experience. We have considered the legal basis for the activities of Russian ratings agencies and documents that are the primary source of data for the evaluation of companies. We study ratability particularities in domestic practice; in particular, we have presented criteria for Rating Agency called Expert RA. The authors presented the forecasted values of key indicators of the economy of the Russian Federation, which affect the country's credit rating, such as GDP, inflation rate, the key rate, unemployment rate, exchange rate of the ruble. It was concluded that there was a need to move from quantitative to qualitative assessment when examining the organizational effectiveness of the banking sector