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Particle credit how to make micro-credit

Zheng Haojian believes that in the field of financial services, China and the United States there is a big gap, one of the key reasons is that China does not have a good credit record. He said people interested in savings, which makes the flow of wealth has not been fully. The other hand, when people lack of funds, and rarely choose to bank lending, until they reach the point of last resort. Without the process of borrowing and repayment, it is difficult to leave a credit record.
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