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Credit ratings are one basis for credit risk management, intended to restrict and limit the risks, to support the commercial banking in the classification of the debt and the redundant set excerpts to handle credit risks, from which, toward the goal of profit maximization of commercial banks. By the way, say, credit ratings contribute to safeguarding the stability of the banking system, helping the financial markets – the Bank more transparent, strengthening market supervision of the State administration and improve the efficiency of the economy.
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