The reasons for these failures, which have had such momentous consequences, are certainly many and varied: inadequate models, laxity, conflicts of interest, analysts' qualifications, method of governance, absence of real monitoring of credit ratings' quality.
Les raisons de ces défaillances, dont les conséquences ont été notables, sont certainement diverses: insuffisance des modèles, laxisme, conflits d'intérêts, qualification des analystes, mode de gouvernance, absence de véritable surveillance de la qualité des notations.