On the other hand, the business difficulties in production and business loan demand should also decrease. In addition, because of the coordination between the Bank and the authorities competent to decide on land not yet synchronized, the certification of land ownership had difficulty ... also contributed to the Bank's lending activities are not favorable. The disposal of bad debt-dependent macro economic conditions and market, while consumption goods still slow, financial capacity and the ability to pay the debt of the business still low ... led to this work mainly sell debt and use projections to handle risks in reducing bad debt.
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