profits in excess of the norm
honor credit and promise重合同，守信用 above target profit超目标利润 accept guarantee provided by foreign shareholders接受外方股东担保 ..
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“超贷”与“惜贷”都是信贷市场非均衡现象，不以利润最大化为目标是导致“超贷”、“惜贷”现象的根本原因。
"Excessive credit" and "credit reluctance" are examples of disequilibrium and are caused essentially by departures from profit maximization principle.
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