??????????????? ?? ???????????? ???? ??? ???? ?????? ??? ??????????????? ???, ??? ???????????? ???? ???? ???????????? ??? ???? ????? ????? ???? ?????? ???? ???????????? ???? ?? ??? ???? ???? ???????????? ???? ??? ???? ????????? ????? ???? ?????Second, the analyze finds the rating procedures applied via the credit rating rating agencies (CRAs) ended