entities, obligors, originators, underwriters, and arrangers, on one side, and users of credit ratings on the other. Rating analyses of low quality or produced through a process of questionable integrity are
reduce the asymmetry of information that exists between rated entities, obligors, originators, underwriters, and arrangers, on one side, and users of credit ratings on the other. Rating analyses of low
are designed to meet the demand from customers in three main areas: the "Small concept" - a cozy compact style, located in shopping centers; the “Select concept” - to serve all customer needs for