Abstract
The article is devoted to the methodology of applying the credit rating of insurers used by customers in organizing competitive purchases in the framework of state, municipal and commercial purchases. Options for the effective use of rating options by customers are considered in detail with examples, negative aspects associated with the risks of a possible restriction of competition are noted. The author investigated the situation with the reassessment of the real financial condition of companies that are Russian subsidiaries of foreign insurers. The risks associated with interaction with foreign rating agencies in the current situation in Russia are considered. A number of measures are proposed related to the protection of national interests both at the level of Russian insurers and at the level of state structures represented by customers and state bodies.
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