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In this video tutorial, the host discusses the impact of credit rating agencies on individual investors. Mistakes by these agencies can lead to financial losses for investors, as banks, which order 90% of ratings, also feel the consequences. The host highlights the ongoing issue of bad loans, estimated between 10 lakh crore and 20 lakh crore, which results in funds being drained from the system. Furthermore, under bankruptcy laws, bankers who collaborate with companies are prioritized for repayment, leaving unsecured investors, such as those in mutual funds and debentures, at a significant disadvantage. The discussion emphasizes the complexities surrounding credit ratings and their effects on the financial landscape.