Question

Regarding the target scope and subject matter, which of the following statements correctly distinguishes Credit Rating Agencies (CRAs) from Credit Information Companies (CICs)?

A CRAs primarily assess individual repayment history for personal credit cards, while CICs evaluate government balance sheets.
B CRAs evaluate the credit risk of corporate bonds, companies, and debt instruments, whereas CICs focus on repayment history of individuals and small businesses.
C CRAs focus exclusively on agricultural micro-loans, whereas CICs evaluate cross-border sovereign funds.
D CRAs collect retail consumer loan data, while CICs analyze management capabilities for equity IPOs.
E CRAs assess only Non-Banking Financial Companies (NBFCs), whereas CICs assess insurance policies.
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