ЗАСТОСУВАННЯ КРЕДИТНИХ РЕЙТИНГІВ В ОЦІНЮВАННІ ІНВЕСТИЦІЙНОЇ ПРИВАБЛИВОСТІ

The purpose of writing the article is to consider the methods of constructing credit ratings and the features of their application in assessing the investment attractiveness of stock market entities. In the conditions of a modern market economy, a credit rating is a universal tool for assessing the reliability of both states and individual business entities. In order to calculate and draw a conclusion about a company's credit rating, it is necessary to take into account a number of factors, such as: credit history, current financial situation, timeliness of loan or debt repayment, etc. In the work, a study of credit ratings using statistical analysis methods was carried out to assess and compare the investment attractiveness of a set of automotive companies. Based on previously prepared and processed data, a comparative analysis was carried out to identify differences and common features in the behavior of indicators of different groups of companies. which complements descriptive statistics, allowing. Subsequently, correlation analysis was used to measure the strength and direction of the relationship between the parameters being evaluated, and investment portfolios were formed based on the results of which. In order to identify the intra-market heterogeneity of objects, cluster analysis was used, which allowed to identify hidden patterns inherent in certain groups, which contributed to the formation of diversified investment strategies. Based on the identified main components, an integral index of investment attractiveness was formed – a complex indicator that summarizes the influence of key aspects and allows ranking companies by the level of attractiveness. The final stage of statistical analysis was the construction of predictive models that allow extrapolating the identified trends into the future and assessing the expected investment results. The approach used provides a transition from a multidimensional description to a unidimensional indicator, which significantly simplifies the interpretation of the results, allowing to objectively assess the investment attractiveness of companies in order to develop recommendations for making effective investment decisions.