{"id":2518,"date":"2025-10-07T19:08:33","date_gmt":"2025-10-07T19:08:33","guid":{"rendered":"https:\/\/fundguidr.ee\/?p=2518"},"modified":"2026-01-02T22:04:09","modified_gmt":"2026-01-02T22:04:09","slug":"rating-agencies-moodys-sp-fitch","status":"publish","type":"post","link":"https:\/\/fundguidr.ee\/en\/platforms-and-workpieces\/rating-agencies-moodys-sp-fitch\/","title":{"rendered":"Rating agencies and their role and power: how the 3 agencies (Moody's, S&P, Fitch) work, their impact on financial markets and related controversies"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.19.0″ _module_preset=”default” background_color=”#f6f8ff” background_image=”https:\/\/fundguidr.ee\/wp-content\/uploads\/2022\/11\/BG-28.png” background_size=”initial” locked=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.19.0″ _module_preset=”default” width=”90%” custom_css_main_element=”position: unset;” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” custom_css_main_element=”position: unset;” global_colors_info=”{}”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_post_title][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” background_color=”#FFFFFF” global_colors_info=”{}”][et_pb_row column_structure=”3_5,2_5″ module_id=”aktsia5″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

Kujuta ette maailma, kus sa peaksid laenama raha inimeselt, keda sa ei tunne. Enne kui sa seda teed, tahaksid sa teada tema maksev\u00f5imet ja usaldusv\u00e4\u00e4rsust. Kas ta on kohusetundlik maksumaksja? Kas tema sissetulek on stabiilne? Just sellises rollis on finantsmaailmas reitinguagentuurid. Need on justkui usaldusv\u00e4\u00e4rsed eksperdid, kelle arvamust kuulatakse ja kelle hinnangutel on s\u00fcgav m\u00f5ju nii riikide kui ka suurkorporatsioonide finantsk\u00e4itumisele.<\/span><\/p>\n

Kuid kes on need hiiglased? Peamiselt r\u00e4\u00e4gime kolmest suurest: <\/span>Moody’s<\/b><\/a>, <\/span>Standard & Poor’s<\/a> (S&P)<\/b> ja <\/span>Fitch Ratings<\/b><\/a>. Need kolm agentuuri kontrollivad \u00fcle 90% globaalsest reitinguturust ning nende tegevus m\u00f5jutab praktiliselt k\u00f5iki, alates suurinvestoritest kuni tavainvestoriteni, kes ostavad n\u00e4iteks valitsuse v\u00f5lakirju.<\/span><\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/fundguidr.ee\/wp-content\/uploads\/2025\/09\/reitinguagentuur.jpg” alt=”reitinguagentuurid” title_text=”reitinguagentuur” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ prev_background_color=”#FFFFFF” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#f6f8ff” top_divider_style=”slant2″ global_colors_info=”{}”][et_pb_row module_id=”aktsia5″ _builder_version=”4.27.2″ _module_preset=”default” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Kuidas reitinguagentuurid t\u00f6\u00f6tavad?” content_max_width=”100%” _builder_version=”4.27.2″ _module_preset=”default” header_font=”Nunito|700|||||||” header_text_color=”#171717″ header_font_size=”22px” body_font=”Poppins||||||||” body_text_color=”#171717″ custom_margin=”||25px||false|false” text_orientation_tablet=”center” text_orientation_phone=”center” text_orientation_last_edited=”on|tablet” global_colors_info=”{}”]<\/p>\n

<\/h3>\n

Reitinguagentuuri peamine \u00fclesanne on anda hinnang laenuv\u00f5tja <\/span>krediidiv\u00f5imelisusele<\/b> ehk v\u00f5imele oma kohustusi t\u00e4ita. See kehtib nii ettev\u00f5tete kui ka riikide puhul. Nad anal\u00fc\u00fcsivad p\u00f5hjalikult laenuv\u00f5tja finantsseisundit, v\u00f5lakoormust, sissetulekuid, turupositsiooni ja ka tulevikuv\u00e4ljavaateid. Riikide puhul vaadatakse lisaks majanduse struktuuri, poliitilist stabiilsust ja valitsuse poliitikat.<\/span><\/p>\n

Anal\u00fc\u00fcsi tulemus v\u00e4ljendatakse reitingus, mis on lihtne t\u00e4hekombinatsioon. K\u00f5ige levinumad reitinguskaalad on kolmel agentuuril sarnased:<\/span><\/p>\n