Credit institutions felt that the capital requirements for investments in Collective Investment Undertakings ( CIU ) such as mutual funds were too strict under the IRB approach in those cases where banks cannot or do not want to provide internal rating for the exposure held by the CIU .
Krediidiasutused olid arvamusel , et kapitalinõuded investeeringuteks investeerimisfondidesse olid liiga ranged sisereitingutel põhineva meetodi kohaldamisel nendel juhtudel , kui pangad ei saa või ei taha anda investeerimisfondi riskipositsioonile sisereitingut .