1The Credit Rating Industry: An Industrial Organization Analysis, Lawrence J. White. Working Papers Series New York University, Leonard N. Stern School of Business
2John B. Caouettee, Edward I Altman, Paul Narayanan 著:演进着的信用管理风险管理.石晓军张振霞译,机械工业出版社.2001年4月
3Amy Borrus and Mike McNamee: The Cerdit-raters:How they work and how they might work better. Business Week, 4/8/2002