Role ratingových agentur ve finanční krizi

The topic of this work is role of rating agencies in financial crisis. It differentiates consumer and corporate credit rating agencies. It shows the system of their work and failures and it's impact to the scenario of crisis. The work before and during the mortgage crisis and following financial crisis in USA. It summarizes the impact of securitization a structuralization to crisis, problems of FICO score and it's using. On the other hand It shows other interferences (mostly governmental). It shows that these interferences had bigger and direct influence on the crisis than regulated doing of rating agencies. Considering indisputable influence of credit rating agencies on the crisis and it's possible prolonging, I must claim that CRa's can't be blamed as the main cause of the crisis, but only as an amplifying factor.