Are you referring to live chess? If so, then, yes your ratings will be effected. But, if your playing online chess, the only effect would be one move.
Live Chess Done Tempo
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Yes, the player who is disconnected will be shown as having lost that game. This is because because there is no way to tell for certain if the disconnection was because of our server or if it was intentional on the part of the player. So, a loss is given on disconnects to avoid abuse by players disconnecting themselves in a lost position.
Will the game goign down have any effect on the ratings of the players involved in games at the time of the system going down?
Thanks