Discuss credit rating and credit risk in financial institutions

- Then, narrow down the discussion focusing on one or more of the topics listed below

- Credit rating and credit risk in banks

- Credit rating and credit risk in Islamic banks

- Credit rating and credit risk in insurance companies

- Credit rating and credit risk in pension funds

- Credit rating and credit risk in mutual funds

- Credit rating and credit risk in finance companies

- Credit rating and credit risk in brokerage firms

-Credit rsisk and Fintech

-Credit risk for international banking operations

-Big data and credit risk

-Artificial Intelligence and credit risk

-Machine learning and credit risk

-Deep learning and credit risk

-Any other topic related to credit risk

(2-3 pages)- provide the proper citations in the text and the list