Critical Reasoning (CR) | In the past two years, the effects of the worldwide economic

I can see a lot of people supporting B here ..but D is the clear winner here for following reasons ..

Passage talks about the Proportion of credit repaid returned to normal value in the 2nd year ..please note we are talking about proportion ..i.e percentage or the ratio ...
Decreasing the total number of credit given will not help in any way unless we are not sure reduction of credit is mostly in the bad credit or in cases where repayment were not going to happen ..hence B is eliminated ..

D
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