However, as is the case in many other areas of this sector, the crisis has demonstrated three key problems: lack of competition, over-reliance on external ratings in the regulatory framework and no liability for CRA ratings.
Cu toate acestea, la fel ca în cazul multor altor zone din acest sector, criza a reliefat trei probleme majore: absenţa concurenţei, dependenţa excesivă de ratingurile externe în cadrul de reglementare şi lipsa răspunderii ARC pentru ratingurile emise.