"Andthisleadsonetothethirdproblemofconflict of interest. In a way, afundamentalirrationalityliesintheverystructureofthisbusiness, whichallowsthe raters todirectlycollectfeesfromthesubjectsofevaluation, exposingthewholeprocesstopossiblelobbying, or whatthefinancialanalystscall ""ratingshopping.''"코리아타임즈소리듣기"그리고이로해서세 번째로이해상충이라는문제가나타난다. 어떻게보면 근본적인 불합리성은이일의구조자체에있는데즉평가회사들이평가의주체로부터직접수수료를 받음으로써이모든과정을있을수있는로비나금융 전문가들이말하는 ""평가골라사기""에노출시킨다는점이다."