Abstract
Growing need for an independent evaluation of the performance results of insurance companies is due to the need to meet the needs of stakeholders to reliable information about the evaluation results of insurers. It makes sense to study the approaches of international rating agencies to assess insurance companies. In the article the list of users (investors and management of insurance companies, insurance consumers and reinsurers) and purposes of rating insurance companies by international rating agencies, depending on the users of its results were deterined. The article presents a description of methods of international rating agencies: A. M. Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings, which are used by insurance companies in Ukraine to determine the requirements for non–resident reinsurers. Analyzed methods of the international rating agencies: A. M Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings on the main directions of evaluation scales and criteria of international rating agencies of long–term financial reliability (stability) of insurers provided to determine the most informative method for users is methods of international rating agency Standard & Poor's.
Highlights
Methods by Fitch Ratings with rating of insurance companies is designed to give an idea about the key rating factors that Fitch considers in companies rating of this sector, as well as their debt and obligations to policyholders
The article presents a description of methods of international rating agencies: A
Moody's Investors Service, Standard & Poor's, Fitch Ratings, which are used by insurance companies in Ukraine to determine the requirements for non–resident reinsurers
Summary
Наведено характеристику методик міжнародних рейтингових агентств: A. M. Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings, які використовуються страховими компаніями України для визначення виконання вимог до перестраховиків– нерезидентів. M. Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings за основними напрями оцінки, шкалами та критеріями міжнародних рейтингових агентств довгострокової фінансової надійності (стійкості) страхових компаній надав змогу визначити, що найбільш інформативною методикою для користувачів є методика міжнародного рейтингового агентства Standard & Poor's. M. Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings, которые используются страховыми компаниями Украины для определения выполнения требований к перестраховщикам–нерезидентам. M. Best, Moody's Investors Service, Standard & Poor's, Fitch Ratings по основным направления оценки, шкалами и критериям международных рейтинговых агентств долгосрочной финансовой надежности (устойчивости) страховых компаний предоставил возможность определить, что наиболее информативной методикой для пользователей является методика международного рейтингового агентства Standard & Poor's. Ключевые слова: международные рейтинговые агентства, пользователи результатов рейтинговой оценки, цели рейтинговой оценки, долгосрочная финансовая надежность (устойчивость), страховая компания, направления оценки, шкала оценивания
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