In practice, we have found that the regulatory environment has led to the use of ratings being absolutely essential, by banks, insurance companies, pension funds etc. which invest their money.
En pratique, nous avons constaté que l'environnement réglementaire a rendu absolument essentiel le recours aux notations, notamment par les banques, les compagnies d'assurance ou les fonds de pension qui investissent leur argent.