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缺乏完善的信用体系,使银行在选择贷款企业时,很难获取该企业的信用状况记录和相应的信用担保,为了避免信用风险,银行会谨慎贷款。
The lack of a sound credit system makes it very difficult for banks to obtain credit records and corresponding credit guarantees when selecting a lending enterprise. In order to avoid credit risk, banks will be cautious about loans.