The directors, supervisors, management personnel, creditloan business dealers of the commercial bank and their close relatives; and.
商业银行的董事、监事、管理人员、信贷业务人员及其近亲属；
2
In our country, the law of personal creditloan is still blank, only the applicable object of credit law is the productive enterprise, not the personal credit.
我国在个人信用贷款方面的法律依然是空白，仅有的信贷法律适用对象都是生产型的企业，而不是个人信贷。
3
With the development of the consumptive creditloan, commercial Banks have to focus on how to avoid personal credit risk and improve efficiency for more profit.