求翻译：美国金融危机之前信用评级监管法律强化了评级业垄断形势，造成了利益冲突、透明度低、评级方法落后于金融创新等问题。是什么意思？

Before the U.S. financial crisis, the credit rating industry, regulatory law to strengthen the ratings monopoly situation, resulting in a conflict of interest, transparency is low, the rating method behind financial innovations and other issues.

Prior to the financial crisis the United States credit rating regulatory legal reinforced the monopoly situation rating industry, resulting in a conflict of interest, low transparency, rating methodology behind financial innovation.

In front of US financial crisis the credit rating supervising and managing law strengthened the rating industry monopoly situation, created the conflicts of interest, the transparency lowly, the rating method fell behind questions and so on financial innovation.

United States monetary credit rating regulation law before the crisis reinforced the ratings monopoly situation, causing interest conflicts, low transparency, rating methodology behind the financial innovation issues.

United States before the financial crisis, the credit rating regulation law reinforce the evaluation industry monopoly situation, resulting in a conflict of interest, transparency, rating methodology behind the financial innovation issues.