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Why do lenders using rating determined risk premiums dominate those using average risk premiums?

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Question added by نبيل محمد عبدالرحمن مزق مزق , Credit & Collections Manager , Al Israa for Islamic Finance & Investment plc
Date Posted: 2015/07/30
Rami Al Sharif
by Rami Al Sharif , Internship , Al Ramz Capital

Because ratings are determined by specialized rating agencies that have sophisticated measures and criterion to almost accurately assess creditworthiness 

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