Credit Rating Agencies: Financial Duniya Ke Judges

Aap jab bank mein loan lene jaate hain, toh bank aapka 'Credit Score' (CIBIL wagera) dekhta hai ke aap ne peechlay loan wapis kiye the ya nahi. Aise he ek Global bank kisi Desh (Country) ko dekhta hai toh kya check karta hai?