298 Chapter 7: General discussion & conclusion In Chapter 7, we conclude by discussing the main findings and answer the cbeynf tarcatlo rr es sbeeayroc nh dqtuhees tsieocnu. rWi t iee sc’ ocnr ec ldui dt eq ut ah lai tt yc, rseudc iht ar sa ti i)ncgosmapr ee t ii nt ido eneadn adf freact ti ne dg shopping behaviors, ii) regulatory deficiencies, and iii) inconsistencies between tohne ccrreeddi ti t rraat ti ni nggss (opfadr ti fi cf eurl ea nr ti nC Rt hAes .UFSumr t ahrekremt )o, rbeu, twt eh es yh oawl s ot hsaete imn vteos bt oer as wd ao rree ol yf (some of the) credit rating risks and price them accordingly. Our findings might br ees ruel lt es v, awnet troe cr oe mg uml aet on rds ,t po oildi ceyaml l ya keenrfso, rscuep Ce rRvAi ss otros ac hn adni gnev etshteoirrs .cBo ar es ebduosni noeus sr model towards the ‘investor pays’ business model. We also provide concrete rweec orme cmo me nmd ae tni do nrse -oenv ahlouwa t itnogi mt hper odvi fef et rheendt i rs ec gl ousl ua rt oe rrye qr iusikr erme teennt tsi oonf CmReAt sh oa dn sd. Wpoessciobnleclfuudtuerbeyrelsisetainrcght.he limitations of our studies and provide avenues for
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