企业文化平时作业1-4

企业文化平时作业1-4

得分企业文化

教师签名第1次平时作业

得分批改人

一、填空题(每空1分，共20分)

1、企业文化作为一个完整的系统，其内容包括四个部分，即_企业价值观、企业精神_、企业伦道德规范和企业风貌与形象P35

2、国外学者都从观念形态的角度来界定企业文化，把企业文化的___价值观念体系__和__职工群体意识___作为企业文化的重点和核心。

3、企业文化的价值分为__经济价值_和_社会价值__。,48

4、虽然没有明文规定的规章制度，但他们有共同的形成基础和联系纽带，自然地联合成一个系统，是配合默契的群体。这个特征是指非正式群体的整体性。

5、从纵向系统考察，企业价值观可分为三个层次，即__员工人人价值观_、_群体价值观__和__整体价值观_。,70

6、社会是由许多个人所组成的群体、组织所形成的，社会发展的动力来源于_个人需要与团体利益__和__个人的处世方式和团体的发展动力_。,52

7、从团体的角度来划分焦虑，可将焦虑分为三类，即_基本存在焦虑__、__与工作相关的次生性焦虑__和深层焦虑。,61

8、企业伦理道德的特征在于它与_社会伦理道德_具有一致性，与__规章制度_紧密相连，具有__稳定性和连续__性。,82

得分批改人

二、选择题:(每题2分，共20分)

1、企业文化属于(BCD )。

A 宏观文化

B 微观文化

C 经济管理文化

D 社会亚文化

2、被称为是企业管理理论的“第四座里程碑”的是( D )。P32 to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information.

Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business. Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan

investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit

A 科学管理

B 行为科学

C 现代管理

D 企业文化

3、企业文化本质上具有的特征是( ABCD)。P36-38

A个异性 B 共识性

非强制性 D 相对稳定性 C

4、以企业最高目标为核心理念的企业文化，属于( C )企业文化。P42

A 成熟型

B 竞争型

C 目标型

D 传统型

5、下列中属于病态的领导与下属关系的有( ABCD )。P56

A 幻想型

B 强迫型

C 压抑型

D 戏剧型

6、企业文化特质改变引起的企业文化整体结构的变化，叫( D )。

A 企业文化传播

B 企业文化冲突

C 企业文化选择

D 企业文化变革

7、最早将“文化”概念用于企业管理、研究企业价值观念及社会文化传统对

企业管理的影响的学者，是美国著名管理学家(AD )。P18

A巴纳德 B 德鲁克

C 戴维斯

D 塞尔茨尼克

8、企业文化的理论基础中，除了人学理论外，还包括( ABCD )。P50-60

A 社会动力理论

B 领导理论

C 学习理论

D 情绪理论

9、下列中属于从内容特质上分类的企业文化有(B)。P42-43

A 成长型企业文化

B 团队型企业文化

C 国有企业文化

D 过程型企业文化

10、企业价值的基本构成中，包括( ABCD )取向。P72-73

A 经济价值

B 社会价值

C 伦理价值

D 政治价值

得分批改人

三、简答题:(每小题6分，共30分)

to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere

formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit

1、国外企业文化学者对企业文化认识的共同点是什么,P21

答:

1、认为企业文化是一种重视人、以人为中心的企业管理方式，强调要把企业

建成一种人人都有社会使命感和责任感的命运共同体;

2、都从观念形态的角度来界定企业文化，把企业的价值观念体系和职工的群

体意识作为企业文化的重点和核心;

3、都从狭义的角度理解企业文化的内涵;

4、都认为企业文化是一个企业在长期的生产经营中形成的特定文化观念、价

值体系、道德规范、传统、风格、习惯和与此相联系的生产经营观念。

2、试述企业价值观在企业文化中的地位和作用。

企业价值观是企业文化的核心内容，为企业的生存和发展提供了基本的方向和

行动指南。

它的作用是:

1、为企业生存与发展确立精神支柱;

2、决定企业的基本特性;

3、对企业和员工的行为起导向和规范作用;

3、企业文化如何发挥其维系功能,P119

1、企业文化通过提供物质诱因与员工贡献相平衡的分配文化，满足员工基本

的物质需要，保证物质利益原则的实现;

2、企业文化通过各种就业、福利及安全保障文化，为员工提供满足安全感需

要的各种保障;

3、通过主文化和诸多亚文化，制造团体认同感和职工归属感，从而形成后天

的团体心理凝聚力;

4、通过制造一种成就感、机会均等感，为员工提供追求成就感需要的心理满足;

5、通过对群体中自发价值追求与企业经营目标的协调，为员工提供发展空间

和自我实现的心理满足。

4、优秀的企业文化如何实现其经济价值,P48-49

答:,、企业是市场经济发展的产物，企业文化的形成受到市场经济发展的制约;市场to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on

field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit 经济的客观规律和法则往往通过企业文化作用于企业的各项经济活动。

,、优秀的企业文化体现着企业成功的经营管理特色，体现着企业对顾客“诚”、“信”之道。

,、优秀的企业文化体现着以人为中心的根本思想，体现着员工心理及行为的

一般要求，体现着多数员工的“共识”，因此能够对广大员工起到凝聚、引导、激

励和约束作用，使广大员工发挥聪明才智和劳动积极性，并积极参与管理，提合理化建议，提高劳动效率，最终给企业带来较高的经济效益。

,、优秀的企业文化往往能够促进企业进一步深化改革，完善组织结构和经营机制，促使企业采用新的经营方式和科学的管理方法，从而带来组织效率的大幅度提高，为企业提高经济效益创造良好条件。

5、简述企业文化整合的五个层次,P112-113

答:,、企业文化对某一种新生的(主要指企业文化共同体内生的)或外来的企业文化特质加以同化。

,、在企业文化共同体内，对创造的(内生的)或引进的一组企业文化特质进行重组、重造，以形成企业某一方面文化的综合。

,、一种企业文化风格、规范趋于完美、成熟后，开始通过社会各种渠道进行传播和扩散。

,、企业文化共同体伴随着企业革命、企业管理革命，对企业文化特质进行较为彻底的吐故纳新，进行多方位的整治和新的融合。

,、伴随着企业文化共同体内发生的剧烈的文化冲突，酿成企业文化危机，最后由企业文化革命来收拾残局。

得分批改人四、论述题:(每题10分，共20分)

1、结合实际论述东西方企业文化各自的特点。P178-179

答:1、东方企业文化的特点

(1)、强调集权式管理。其特点有三:一是向心;二是求同; 三是重人。 (2)、强调企业的社会责任，包括企业与社会的关系以及对国家的责任、对员工的全面关心to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should

be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain

our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit 和庇护。

(3)、重视运用社会精神的力量去形成共同的意识形态，促使人们去服从组织的共同目标。 (4)、鼓励在组织内形成一种家庭气氛，员工之间沟通密切，十分重视感情和人际关系，很少流动，使得企业能够有相对稳定的员工队伍。

(5)、十分注意企业内各部门之间、各项经营活动之间的内在联系，更强调从整体上进行控制。

(6)相对于西方管理的明确性，东方管理更为艺术地应用含糊和微妙性以淡化组织中的冲突，达到和谐一致。

2、西方企业文化的特点

(1)、制度化。

(2)讲究效率，强调科学性。

(3)、强调明确性。

(4)、重视物的因素。

5)、强烈的进取精神促使西方企业在市场开拓、产品改进、技术创新等方面有一种无限的(

扩展和侵略性。

2、塑造企业形象有哪些途径,P94

,、树立先进的经营理念，为塑造企业形象提供精神支术。

,、建设积极的企业文化，为塑造企业形象奠定基础。

,、实施CI战略，为塑造企业形象提供科学的方法与手段。

五、分析题:(10分) 得分批改人

观点:企业价值观对企业和员工行为的导向和规范作用，不是通过制度、规章等硬性管理手段实现的，而是通过群体氛围和共同意识的引导来实现的，是一种软性约束。管理者按照企业价值观，启发、引导被管理者适时修正自己的言行，达到

与企业目标和价值准则的一致。企业成员如果违反了行为准则，即使他人不知或不加责备，本人也会感到内疚，由于心理压力而进行自我调节。

针对上述观点，谈谈你的看法。

答:企业的价值观可以定义为企业领导者和全体员工对企业的生产经营活动和

企业人的to a customer request for objective, comprehensive

investigation, analysis, evaluation, focusing on factors that could

affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening,

filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in

cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel,

as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear. Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit 行为是否有价值以及价值大小的总的看法和根本观点。

企业价值观是企业文化的核心内容。它为企业的生存和发展提供了基本的方向和行动指南，为企业员工形成共同的行为准则奠定了基础。对拥有共同价值观的公司来说，共享的价值决定了该公司的基本特征以及区别它与内和对外的态度。这样，价值不仅在管理者的心中，而且在大多数公司员工的心中成了实在的东西，正是这种意识使企业价值观产生作用。

企业价值观对企业的生存和发展具有重要的作用，它是企业生存的基础，是企业追求成功的精神动力。

1、企业价值观为企业的生存与发展确立了精神支柱。

2、企业价值观决定了企业的基本特性。

3、企业价值观对企业及员工行为起到导向和规范作用。

4、企业价值观能提高企业凝聚力，激励企业员工释放潜能。

最基本的企业价值观包含以下几个方面的内容:

1、经济价值取向

2、社会价值取向

3、伦理价值取向

4、政治价值取向

得分企业文化

教师签名第2次平时作业

得分批改人

一、填空题(每空1分，共20分)

1、__正向积累__是企业文化自我完善的过程，创造出来的是健全的、优良的

企业文化。

2、企业文化积累是指企业文化特质的保存以及企业文化新特质不段增长

的发展过程。

3、日本文化对管理的重要影响主要表现在两个方面，一是___强调经营理念的重要性_，二是__重视团队精神的发挥__。P165-166

to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one

person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit

4、美国企业强调以个人为中心的价值追求，在企业组织管理中突出强调__

对人尊重和信任__。

5、企业文化选择的客观标准就是企业的基本价值观。P110

6、德国的企业文化观最早源于1914年R.戴特策的《经营科学》，该书提出的

经营理念是___人本位的经营理论___。

7、企业文化经过法律环境的熏陶便产生出企业__制度文化__。

8、企业成员是在文化传播中使群体的行为得到协调，才产生出共同的信念

与目标。

9、反向积累是企业文化恶化、衰亡的过程，创造出来的是病态的、不良的

企业文化。

10、企业文化冲突的产生主要是由不同类型、不同模式、不同行业、

不同区域、不同历史阶段的企业文化的不同特质所构成的基本价值观之间的

过分悬殊所造成的。

、当今世界上许多发达国家的管理，正朝着____以人为本___的方向发展。 11

12、企业文化的选择过程实质上是企业文化的冲突过程。

得分批改人

二、选择题:(每题2分，共20分)

1、企业价值观和企业精神在公众心目中留下的整体印象，是( A )。P89

A 理念形象

B 产品形象

C 公关形象

D 员工形象

2、企业文化冲突主要表现在两个方面，即( AC )。

A 主文化和亚文化

B 外生文化和内生文化

C 个体文化和群体文化

D 传统文化和创新文化

3、一般说来，较优良的企业文化应该是处于( B )阶段的。P123

A 创业文化

B 守成文化

C 守业文化

D 败业文化

4、企业文化作为一个完整的体系，包括( ABCD )P35

A 企业整体价值观念

B 企业精神

C 企业伦理道德规范

D 企业风貌与形象

5、价值观的主体可以是( ABCD )。 P68

to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on

field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit

A 个人

B 国家

C 企业

D 社会

6、以企业最高目标为核心理念的企业文化，属于( C )企业文化。

A 成熟型

B 竞争型

C 目标型

D 传统型

7、企业文化特质改变引起的企业文化整体结构的变化，叫( D )。

A 企业文化传播

B 企业文化冲突

C 企业文化选择

D 企业文化变革

8、推行( C )是我国企业的本质要求。

A 企业管理

B 经济责任制

C 民主管理

D 法制管理

9、企业价值革命通常涉及的方面包括( ABCD )。P117

A 企业价值观的变革

B 管理哲学的变革

C管理思想的变革 D 企业经营思想变革

10、企业文化的评价方法( AC )。P126

指标评价 B 内容评价 A

C 生命周期评价

D 功能评价

得分批改人三、判断改错题:(每小题2分，共10分)

1、传统的管理强调实行分析，强调自主管理，鼓励员工发表意见，提倡员工

参与决策。( 错 )

修改:以人为本的管理强调实行分析，强调自主管理，鼓励员工发表意见，提

倡员工参与决策。

2、“Y理论”认为只有极少数人，才具有解决组织问题。( 错 ) 修改:“Y理论”改为“X理论”

3、管理学家麦格雷戈在1954年发表了《动机与个性》，提出了“需求层次理论”。 ( 错 ) 修改:“麦雷戈”改为“马斯洛”

4、企业文化是靠强制、靠鼓励实现个人目标同企业目标的结合。( 错 ) 修改:企业文化更多的是在整体感受的基础上，靠文化力量把员工的行为潜移默化地导向和to a customer request for objective, comprehensive investigation,

analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should

be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain

our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel, as a double investigation, risk managers held accountable for their findings. Article 12th pre-loan investigation officer shall give their opinion in a credit report and signatures, findings should be clear.

Only signed comments, and ambiguous or contradictory, deemed to be

agreed for the credit business. 13th marketing lines management departments at all levels to meet the conditions of credit 融合到一个共同的目标中。

5、企业文化在传播中，要尽量避免冲突，才能顺利进行。( 错 ) 修改:企业文化在传播中，冲突是不可避免的，而且正是由于企业文化冲突的存在，才推动了企业文化的进步。

得分批改人四、简答题:(每小题5分，共30分)

1、引起企业主文化和亚文化冲突的原因有哪些,P106

答:,、企业主文化已经变成病态文化，它或者是由于以往企业的主要领导者的固执已见、刚愎自用，或者是由于企业文化环境系统发生变化所造成的。

,、企业主文化已达到健全的、优秀的、高度成熟的状态，不过这种文化已经经过了企业文化成长的几个阶段，正慢慢地在失去文化上的优势。

,、企业主文化已演变成为过时的、陈旧的、衰败的文化，企业严文化在企业陷入严重危机的情况下仍旧没有适应的机会击败企业主文化，因为企业整个大权仍旧掌握在旧有企业信奉者手中。

2、简述欧洲国家企业文化的特征。P176

答:,、强调理性主义和创新、竞争精神

(,)、注重建立灵活多样、讲求实效的组织机构和制度。

(,)、重视研究开发及引进国外先进技术。

(,)、重视制定着眼于世界市场的企业战略。

,、重视员工的“参与管理”

3、中国传统文化在哪些方面对企业文化建设有积极作用,

1、团体意识;

2、人本思想;

3、和谐思想;

4、求实精神;

5、爱国主义精神;

6、吃苦耐劳、勤奋自强的性格;

to a customer request for objective, comprehensive investigation, analysis, evaluation, focusing on factors that could affect credit assets, effective identification of risks. Eighth investigators should

be based on the Bank's credit policy screening, filter in line with the Bank's credit scope of customer, credit business, shall not entertain

our prohibition of involvement of clients and credit business. Nineth survey about customer surveys and data verification should be based on field surveys, and indirect surveys as a supplement. If necessary, by external credit Bureau to verify the authenticity of customer information. Article tenth credit pre-loan investigation should be completed by the person himself, may not authorize a third party, except where otherwise provided for by the system of the Bank. Branch Manager may hint, instruction, order signature of investigations in cases that are not involved in the investigation, pre-loan investigation a mere formality. 11th pre-loan investigation should be two participants, one person, another person aided person, except on business with special provisions. Main and auxiliary officers shall be due diligence, investigators as a sponsor of the credit business, bear primary responsibility for credit, is the responsibility of credit business.

Risk managers participate in the pre-loan investigation work in parallel,