A paperloan application first goes to a data validator who looks up the customer information in a legacy computer system, and compares it to what is on the paper application.
That explains the call, in Mr Cable's paper, for more transparency in Banks' handling of loan applications and their reasons for turning them down.
因此，凯博先生在他的方案中呼吁银行在操作贷款申请时增加透明度，以及告知驳回贷款申请的原因。
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The paper also shows that there exist some differences when NPL rate, NPL reserve, capital adequacy ratio and loan asset rate affecting the franchise value.