Borrow less diversified structure: Currently with individual customers, the bank deployed to more than 12 credit package. However, the structure of the loan is not really diverse. The loans primarily for business purposes, buying a home, land and pledging savings accounts for over 80% of total loans. With the package consumer loans, consumer support, overdraft loans are the product but does not have the potential to be promoted (due to the high risk factor because usually unsecured loans).
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