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The insurance rating “Of insurance T[OR]” - leader in the region of assignment THE TOP -100 is rating insurance companies and information about the market for insurance and [perestrakhovaniya] in the Ukraine, the countries of the CIS and [Baltii], and also analytical services for the foreign investors.
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General information The agency “Of standard & Of poor's” uses in the run of determination of rating the methodology, based beyond processing of most varied quantitative and qualitative data. For the most part the process of awarding the rating is objective as far as its nature (for example, it is used the large number of numerical data); however, significant attention is paid to the subjective analysis, it enters beside the calculation the personal opinion of experts. This subjectivity is allowed at the point of the agency “Of standard & Of poor's” to include in total rating many nonstatistical factors and to reflect before it the prospects of the development of one or other company or another. Taking into account that there is a large number of different types of insurance companies, which work before the different countries, before which the different rules of bookkeeping and financial calculation and account and normative bases act, it is impossible to use with the analysis of all companies the same methods of mathematical analysis. The specialists of the agency “Of standard & Of poor's” undertake the attempts to use the specific approaches and the methods of mathematical analysis to all insurers in order to obtain, how this is possible, comparable given; however, these methods undergo correction taking into account the conditions of the activity of each individual company. Nevertheless, it is possible to indicate the presence of the uniform diagram of analysis, which finds its reflection before all ratings, appropriated by agency “Standard & Of poor's” to insurance companies. Within the framework this rating methodology undergo detailed analysis the following questions: branch risks, the critical analysis of the business potential of company, control and strategy of the development of company, the effectiveness of the current activity, the quality of investment briefcase, the adequacy of capital (including the sufficiency of the fund for [perestrakhovaniya] and reserve fund), liquidity and flexibility of financial activity. |
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