4) Which of the following is the least important analysis A. Lending history of the borrower i B. Leverage C. The existence of collateral D. Ownership structure of the business 5) Which of the following observations concerning flow true? s is NOT They are less credit risky than fixed-rate loans b. They better enable Fls to hedge the cost of rising states Nabilities c. They pass the risk of interest rate changes onto bomowe d In rising interest rate environments, borrowers may find the seves unable to pay the interest on their fouting-rate loans