信贷文化
[size=133%][size=80%]lRisk averse given Bank’s high gearing and thin margin
[size=133%][size=80%]l倾向低风险，由于银行高负债和低利息差
[size=133%][size=80%]lProper goals and measures with controls
[size=133%][size=80%]l适当的目标和措施及控制
[size=133%][size=80%]lThe Line takes primary (or joint) responsibility of the credit decisions
[size=133%][size=80%]l
前线部门对贷款决定负主要（或共同）责任
[size=133%][size=80%]lBurden of proof on the Line
[size=133%][size=80%]l
证明应贷款责任在于前线部门
[size=133%][size=80%]lNever feel embarrassed to ask “dumb” questions
[size=133%][size=80%]l
不用担心问“愚笨”的问题