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???????? ? ???????? ????????????? ???????? ?????
?? ?????? ????????? ?????? ??????
??????? ??????????? ???????? ???
?????-??? Principals and Practice of the
International Company Coface On Risk Evaluation
Andrey Kolyagin Director General NRA COFACE-ARB
2
?????
Coface
?????? ?? ???? ??????? ?????? ? 2005 ?. ?????
12 ????. ??????? 1.218 ???. Services in
global market est. 12 billion in 2005 Revenues
of 1.218 billion
?????? ??????????
?????????
??????????? ??????
?????????????? ??????

• ?2 ?? ??????????? ?????? ? ???? (in credit
  insurance global)
• ?4 ?? ?????? ?????????? ? ???? (in business
  information global)
• ?2-3 ?? ?????????? ? ???????? ? ???????
  (factoring 2 in Germany 3 in France)
• ?2 ?? ???????????? ????? ? ???? (for the global
  market)

COFACE - an international leader ????? -
????????????? ?????
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?????? ? 98 ??????? Services in
98 countries
4
???? ?????? ? ????????? Data base on
companies
50 ????????? ????????
50 millions of companies

• ?????? ????????
• ?????????????? ??????
• ?????????? ?????? ? ??. ???. ?????????
• ?????????? ??????????
• ?????? ?? ?????????????? ??????
• ?????????? ? ????????
• ??????.
• ?????????????
• ????? ????????????? ? ???????????? ?????????? ??
  ??????
• ?????????? ?? ?????????? ????????
• ?????????? ?? ???????? ?????, ? ???????????,
  ???????? ???????, ???????????? ???????????,
  ?????????? ? ??.

• These data about companies include
• Information reports
• Balance sheets
• Bank information
• Debt collection information
• Default information from our insured
• Etc.
• Further added are
• General economic and political country
  information
• Business sector information
• Information about local markets, competitors
  environment, technologies used, management .

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?????????? ?????????? ????? Indicators of
Credit Risk

• ? ????? ??????????? ? ???????????? ?????? ??????
  ???????????? ??????????? ?????? ?????????? ?????
• ??????? ??? ????? ????????? ?????? ?????????
  ???????? ??? ??????
• ??????? ??? ??????? ???????? (???????? ?????? )
• ?????? ??? ??????????? ????????? ???????????,
  ??????????? ? ?????????????? ? ??????? ?????????
  ? ?????????????? ??????? ?????
• ??? ?????????? ?????????? ?? ??????????? ???????
  ??????????????? ??????????? ????? ?????????
  ???????? ? ??????? ? ???????????? ???????

• Coface has developed and use different methods to
  give an indicator of the credit risk level
• Ratings for more detailed evaluation of
  individual company or a group
• Scorings for portfolio analysis (mass
  evaluation)
• The data for these indicators are constantly
  monitored, updated and confirmed with involvement
  of expert forces and Coface IT systems
• Both indicators are based on the same statistical
  weighting methods and linked to a default
  probability

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??? ?????-??? (7 495) 748 0565 NRA
COFACE-ARB
????????????? ????????? ????? (COFACE
www.coface.com) ? ??????????? ?????????? ??????
(??? www.arb.ru) ??????? ???????????? ???????????
????????? ?????-??? ??? ?????-??? ??????????
??????????? ?????????? ????? ? ?????????
????????????? (1 ???) ???????? ??????????
???????? - Coface Credit Rating (CCR), ??? ??????
?? ?????????? ? ??????????????????. ??????????
???????????? ???????? ????????? ????????? ???????
????????? ???????????, ?????????? ? ????????????,
??? ?????????? ? ? ?????????? ???????? ??????????
?????, ??????? ????????? ???????? ? ??????
?????????????? ????? ?? ??????????? ??????,
?????????? ?? ?????? ??????? ????. ???????
CCR ????? ???? ?????????? ??????????? ??????? ???
???????????? ??????????? ? ?????????? ??????????
???????, ???????????? ??? ?????????? ???????? ??
?????????? ???????? ? ? ?????? ???????, ??? ?????
???????? ?????????????? ??????????? ??????
???????. ??? ??????? ?????????? ???????? ???????
CCR ???????? ?????? ? ???????????? ??????????????
??????????, ??? ??????????? ?????? ?? ??????????
??????? ?? ?????????? ? ?????????? ???????????,
???????????, ????????? ??????? CCR ??????????
???????????? ?? ????????? ??? ???? ??????????
????????, ??????? ???? ????? ??????, ?
?????????????? ?????????.
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