@article {26006,
	title = {Bank credit risk management and migration analysis; conditioning transition matrices on the stage of the business cycle},
	journal = {International Advances in Economic Research},
	volume = {20},
	year = {2014},
	pages = {151-166},
	publisher = {Springer US},
	isbn = {1083-0898},
	author = {Syriopoulos, Theodore and Gavalas, Dimitris}
}
