现代查帐手册(ppt 25)

CREDIT CULTURE信贷文化
Risk averse given Bank’s high gearing and thin margin
倾向低风险，由于银行高负债和低利息差
Proper goals and measures with controls
适当的目标和措施及控制
The Line takes primary (or joint) responsibility of the credit decisions
 前线部门对贷款决定负主要（或共同）责任
Burden of proof on the Line
 证明应贷款责任在于前线部门
Never feel embarrassed to ask “dumb” questions
 不用担心问“愚笨”的问题

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