@article {26005,
	title = {Bank credit risk management and rating migration analysis on the business cycle},
	journal = {International Journal of Financial Studies},
	volume = {2},
	year = {2014},
	pages = {122-143},
	publisher = {Multidisciplinary Digital Publishing Institute},
	author = {Syriopoulos, Theodore and Gavalas, Dimitris}
}
