TY JOUR TI International rating agencies and their role in the world financial market: modern trends and challenges KW rating agencies KW credit rating KW financial markets KW ESG factors KW artificial intelligence KW sovereign creditworthiness KW COVID-19 pandemic KW geopolitical risks JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Tarba, K.R. PY 2026 IS 0 PB ITBO University