Service on awarding of internal credit it is rating

Credit ratings it is appropriated to borrowers (enterprises, banks, insurance companies, the organs of local self-guidance), and also to their separate debt tools (bonds, loans the like).

Credit rating is allowed at the point of its possessor:

• To strengthen interrelations with all types of the contractors
• To isolate itself among other Ukrainian borrowers and to draw the attention of the investors
• To state about its effective financial activity, without revealing in this case the classified information
• To produce the successful arrangement of the bonds or other debt tools
• To create favorable credit history and financial reputation for the subsequent output down the markets for capital
• To diversify the tools of adoption with the reduction of prices of the cost of their maintenance
• To estimate its indices of work “based on the side”
• To determine the key strategic factors, which exert influence beyond solvency of the borrower

Company “Credit- rating” renders service on awarding of internal credit it is rating about the national scale of credit it is rating, by specially intended for evaluating the level of credit risk due to the conditions of market, including the insurance market of the Ukraine.

Internal credit rating is necessary at the point of borrowers for the use on the domestic market. The major advantage of international credit rating - comparability of the level of credit risk according to all borrowers, independent of the country of their position - turns around by deficiency in the countries with the transitional economy. This connected with the fact that the rating of borrower ([emitenta]) or his debt tool, as a rule, cannot be higher than the sovereign rating of the country, before which is located [emitent].

At present the Ukraine has low sovereign rating - “B” from Standard & Of poor's and Fitch Of ratings, “B2” from Moody's Of investors' Of service. Such “[stranovoy] ceiling” leaves for the Ukrainian borrowers only lower part of the international scale - noninvestment category. At the same time investor, located in the Ukraine, can consider the bills of individual Ukrainian borrowers after excellent object for the investments despite the fact that by them it is inaccessible high international credit rating.

The national scale of credit it is rating the company “Credit- rating” is specially intended for the use as far as borrowers and as far as investors on the financial market of the Ukraine. The national scale is built without taking into account the sovereign risk, whose action is equal for all Ukrainian borrowers, and it makes it possible the more clear to differentiate them in entire scale range, when first-class borrower can obtain the highest estimation. Internal credit rating makes it possible to judge the degree of credit risks due to the conditions of Ukrainian market, without taking into account the influence of the international aspects of sovereign risk.

Internal credit rating is considerably clearer orientator for the investor, active on the Ukrainian market, and makes possible at the point of his possessor to draw the attention of the wide circle of investors, to enlarge access to the domestic markets for adoptions, to raise the level of the confidence of partners and clients.