Analysis of risk rating in banking and it is important for information uses and requied educational attaiment

Today banking sector has been experiencing progresses in parallel to whole financial sector. In order for banks to adjuts to globalization and international competition, they should have access to new financing sources. In this study, risk rating concepts and worldwide rating institutions has been examined. Banking risk and methods and types of analysis that those rating institutions adopted to rate banks has also been explanied in detail. Since, all banks required to develop their own risk management methodology, study addressed the topic. In the initial stage of bank risk management organization process, the lack of qualified human resources came to out to be the major obstacles in Turkish banking sector. And this study has focused on this issue. Results of the study showed that, banks should utilize on-the-job training methods to alleviate this problem. Based on these results, the basics of on-the-job training has been articulated and then structure and implementations of training for personnel that would take part in risk management process. Finally, the importance of rating process for Turkish banking sector and financial markets has been emphasized in the light of study results.