Developing a Scoring Credit Model Based on the Methodology of International Credit Rating Agencies

The purpose of this work is to examine the relationship various financial and non-financial (qualitative) factors performance companies their credit ratings.
 We developed scoring model which was based on methodologies international Russian rating agencies. modelled ratings for 2018–2020 were compared with actual assigned by agencies discrepancies explained. sample includes from retail, protein agriculture, steel, oil gas sectors Russia, USA, Luxembourg, England, Canada, India, Ukraine Brazil.
 paper proved that addition business environmental, social governance improved quality ofscoring models in comparison those including only metrics. There are strong patterns resulting some industries. Retail industry associated high sales indicators, while steel have interest expenses coverage ratios. Oil mostly show results reserves coefficients.
 study a forecasting tool emulates analysts therefore has predictive power. can be used market practitioners predict face refusal rate issuers.