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工行浙江玉环县支行从１９９７年至今，新增的７．７５亿元贷款中，无一笔逾期和欠息，不良贷款率逐年下降，其业绩令国内同行刮目。该行行长李震宇的一番话道出了个中缘由：“贷款有风险并不可怕，最怕的是道德风险”。此言令人深思。 道德乃人们生活行为的准则和规范。道德方
The branch of Yuhuan County in Zhejiang Province from 1997 to the present has no overdue and non-performing loans in the newly added 775 million yuan of loans. The non-performing loan ratio has been declining year by year. Li Zhenyu, president of the bank said something reason: “The risk of loans is not terrible, the most afraid of moral hazard.” This statement is thought-provoking. Morality is the norms and norms of people’s living behavior. Moral side