For low-risk banks, this would make little difference: both HSBC and Santander report that the fair value of their loan books is slightly above their carrying value.
Returning to the loan submission system, we could now extend the submit loan request use case to include the reception of the report.
回到贷款提交系统，我们现在能扩展提交贷款请求用例以包括报告的接收。
3
According to a recent report by the World Bank, private lenders have granted borrowers more flexibility with loan covenants and demanded fewer third-party guarantees.