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real, in each pen business lending Qian not for by pen query, led to mortgage failure of. (Vi) not in accordance with the relevant provisions of the Bank operation, failed to identify false documents, certificates, authorizations, warrants, etc. (VII) in the credit risk management system to provide false information, is not required by the guest rating credit management objective, impartial ratings of credit, resulting in credit decision-making errors. (H) the investigation report conclusions of false record, misleading statement or material omission, resulting in credit decision-making er