12-22 Migration Analysis Is a Tool to Measure Credit Concentration

12-22 Migration analysis is a tool to measure credit concentration risk and refers to

A) the identification of problem loans in sectors by observing periodic migration of industries.
B) the identification of credit concentration by observing trends in market borrowing by different sectors of the industry.
C) the identification of credit concentration by observing the downgrading or upgrading of credit ratings on securities in different sectors of industry by public rating agencies.
D) the identification of borrowing patterns such as long or short term debt by different sectors of industry.
E) the identification of shifts in debt/asset ratios of firms in specific industries.