As long as corporate credit risk rises and there is insufficient demand for effective credit, banks will fall into an "asset shortage". If the above determination is true and the bank has not fallen into an "asset shortage", then which of the following must also be true? ['Corporate credit risk has not risen or there has been no shortage of effective credit demand.', 'Corporate credit risk has not risen and there is no shortage of effective credit demand.', 'Corporate credit risk does not increase but there is insufficient effective credit demand, or corporate credit risk increases but there is no insufficient effective credit demand.', 'At least corporate credit risk has not risen.']