Currently banks in China's Towns is in high risk of credit default,which results mainly from the imperfect of credit evaluation system, small and scattered loaning patterns,lack of efficient guarantee,weakness of customers' awareness in credit,and investment feebleness.To obtain these banks' sustainable development,it is necessary to strengthen the awareness,prevention,and avoidance of risks.In this case,a kind of specific credit preventative mode should be constructed via establishing appropriate credit ev...
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