Now there are many questions, such as brand manage abandon, lacking of brand long-planning in our credit card issued institution.

目前，我国的发卡机构品牌经营中存在随意性、品牌规划缺少系统性、品牌经营无深度等诸多问题。

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But it can't compel those southern European banks, many of which are chronically lacking in confidence, to provide additional loans into the real economy to compensate for the sucking out of credit by banks from northern Europe.

BBC: Can Draghi do 'whatever it takes' to save euro?

Personal credit is a new business in China, and the discipline imposed by the fear of acquiring a bad credit history is sorely lacking.

ECONOMIST: Students are struggling to cover their loans