被认为是

credibility rating───信用评级

credibility ratings───可信度评级

Smith, the 18th century Scottish economist and philosopher, is credited with laying the intellectual framework for the free market;───Smith18世纪苏格兰经济学家、哲学家，被认为是自由市场知识框架的奠基人，以“看不见的手”而闻名。