Name
Kovalerova Ludmila Anatolyevna
Scholastic degree
•
Academic rank
associated professor
Honorary rank
—
Organization, job position
Bryansk State University
Web site url
—
Articles count: 1
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