At the Asia commercial bank-branch, revenue mainly from credit operations (personal and business), besides creating income for the Bank's credit operations still exist some risks (objective and subjective). The risks are assessed through the ratio of overdue and bad debt ratio, the higher this ratio shows the risks in credit operations as high and vice versa. Asian banks in General and the system of commercial banks in particular are reducing this ratio is always one of the top targets in the development strategy. To prevent risks grind out, appraisal, property assessment, recovery of loan debt should be further enhanced.
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