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    How to eliminate concealed damages lies in weakening commercial banking institutional and market-oriented loan allocation, establishing standardized loan market and information transmission mechanism.

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    In this paper, after a brief review of the theory of credit rationing, the author coordinated and commented on the formation mechanism of credit rationing in three different angles of view.

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    In this paper, after a brief review of the theory of credit rationing, the author coordinated and commented on the formation mechanism of credit rationing in three different angles of view.

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