The key factors entering into the credit decision include:

Question

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The key factors entering into the credit decision include both borrower-specific factors, which are specific to the individual borrower, and market-specific factors, which have an impact on all borrowers at the time of the credit decision. In addition, global-economic factors may also have an impact on all financial institutions at the time of credit decision. Therefore, the best choice is D, which includes both borrower-specific and market-specific factors.

The Key Factors Entering into the Credit Decision Include