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At present, yet there is a system of common indicators would use determine personal credit enhancement. The development or enhancement of services in each bank is completely different due depends on the characteristics as well as different development orientation of each URBAN COMMERCIAL. So, the reviews have difference and totally not the same between the banks. Based on the research of Phan Thi Thu ha (2013) and Tran Duc Thang (2016), author give some indicators to calculate.
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