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实事求是地讲,我国专业银行信贷资产质量普遍不高。原因有多方面,但最直接的是基层信贷人员普遍对信贷管理工作缺乏积极性。影响基层信贷人员积极性的主要因素有:
To tell the truth from facts, the quality of credit assets of our country’s specialized banks is generally not high. There are many reasons for this. However, the most direct one is that there is a general lack of enthusiasm in credit management work among grassroots credit officers. The main factors that affect the enthusiasm of grassroots credit officers are: