Depositors might want to know what their bank's cash to lendings ratios is. That is banks exploit risky investment strategies with their capital these days and ordinary people might want to have ratings so they would know if their personal capital is invested in a safe place.
Banks are little more than investment houses these days that use the cash from depositors as chips to play on the market through high return quantitative investing buying and selling competetively with the best purely quantitative stock and bonds trading firms on Wall Strret.
If Banks risk ratings were made then some banks could be given conservative AAA ratings and others junk bank status. Bank books should be open enough to Federal inspection that accurate rating can be given so depositors and mortgage buyers know if their banks has a 1to 1000 cash to debt obligations ratio.
Scientists have found that at least one mammal communicates in pure ultrasound. Philippine tarsiers screech inaudibly to human at 71 Khz and here at up to 91 Khz. Quantitative brokerage trading is like that-inaudible to humans.
http://www.newscientist.com/article/dn21443-the-only-primate-to-communicate-in-pure-ultrasound.html
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