As well as an increase in competition, these measures include greater and judicious use of internal credit ratings, particularly by large financial institutions that are capable of performing their own risk assessments.
Pe lângă o creştere a concurenţei, aceste măsuri includ o utilizare mai amplă şi judicioasă a ratingurilor de credit interne, realizate în special de mari instituţii financiare capabile de a efectua propriile evaluări ale riscului.