@inproceedings{inproceedings17412b23,
title   = {The centralized ratings based approach (CRBA): addressing regulatory overreliance in credit rating agencies (CRAs)},
author = {Gonzalez, Rodrigo Barbone and Savóia, José Roberto Ferreira},
year = {2012},
publisher = {Sociedade Brasileira de Finanças},
booktitle   = {Encontro Brasileiro de Finanças}
}