For example, the majority of mandates either refer to a specific credit rating agency, a specific alphanumeric rating, or both. 평균적으로 높은 수익률, 투자 등급 또는 기타 간접적인 용어를 언급하는 위임의 비율이 높았습니다. Perhaps surprisingly, we also find that the use of ratings has increased over time.