現代查帳手冊(ppt 25)

CREDIT CULTURE信貸文化
Risk averse given Bank’s high gearing and thin margin
傾向低風險，由於銀行高負債和低利息差
Proper goals and measures with controls
適當的目標和措施及控製
The Line takes primary (or joint) responsibility of the credit decisions
前線部門對貸款決定負主要（或共同）責任
Burden of proof on the Line
證明應貸款責任在於前線部門
Never feel embarrassed to ask “dumb” questions
不用擔心問“愚笨”的問題

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