Unforeseen fluctuations occur in the natural environment as natural disasters (droughts, floods, earthquakes ...), fires affect production and business activities of the customer, especially in industries related to agriculture and fisheries. While, therefore, the natural environment is not favorable, the enterprise will be difficult since it reduces the quality of bank credit. Above are the main factors affecting the credit quality of the commercial banks. To enhance credit quality, we need research and proper awareness of these factors, along with the practical results of operations of the banks, in order to offer the remedy is feasible high.
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