Božović, Miloš, Branko Urošević, and Boško Živković. “Credit Rating Agencies and Moral Hazard”. Panoeconomicus 58, no. 2 (October 10, 2011): 219–227. Accessed January 26, 2025. http://www.panoeconomicus.org/index.php/jorunal/article/view/150.