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Credit rating of the financial system is an important aspect. Certainly the quality of these qualifications in the rating agencies by the reputational concerns of the customers of the quality of the sailors are not interested in is continuing. Competition in this area, and there is increasing competition and demands for. Reduce competition or to improve the quality still is not clear. HBS professor at the University of Washington and Bo Baker Professor Todd Milbourn St. Louis to the examination of the ratings industry in the struggle with these predictions. Your test are more or less in line with a lower credit rating as fitch increase their presence in the market. Empirical results is that their system is better when the competition is not too serious works of points. These results have possible policy implications.
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California, the unemployment rate to 10.1% in January, the fourth century, when the recession of the most populous U.S. state tightened its control since reached their highest level. Housing and consumer weakness in a revised 8.7% to 6.1% in December and January in 2008 the unemployment rate increase in January and helped the national average over the