Through the above figures show that total outstanding bad increased but by total outstanding bad debt rate increases also don't fluctuate much and remain within the limits allowed by the State Bank. That reflected patterns, risk management policy credit of CB and MSB generally has not really effective, along with fluctuations in the economic crisis has not been overcome, as well as the quality of officials and staff of credit evaluation in the Community financial centre do not meet with the requirements developed as the factors causing the decline in credit quality. This is the real challenge in credit risk management and credit quality improvement is an urgent requirement, to ensure the sustainable and stable development for CB.
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