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[Music] hello and welcome to money life this is such a deland this week were going to discuss a slightly complex topic it is about credit rating agencies and how their actions impact us need to explain it in a little detail because whenever they make mistakes it is we the individual investors who pay a price now banks also pay a price in fact 90 of ratings are ordered by banks before they give a loan but you know how it is with banks either we are paying through the exchequer which means even if you dont have a bank account there are bailouts happening year after year bad loans as you know had docHubed anywhere between 10 lakh crore and 20 lakh crore so money goes out of the system what is worse is under the bankruptcy law the same bankers who collude with companies are first in queue because they are secured while the rest of us who invest through mutual funds non-convertible debentures or any other instruments are unsecured and possibly not going to get anything so lets look at de
