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individual grantBusiness development, Head Office of qilu Bank personal credit risk management guidelines are issued to you, please carefully study and implement. Annex: qilu Bank personal credit risk management guidelines qilu Bank b o September 4, 12 key words: sends the individual credit guidelines to inform risk management: leadership, head office departments contact person: Chen Tel: 0531(total of 3) Qilu Banks Office issued on September 4, 2012 Annex: qilu Bank personal credit risk management practices chapter I General provisions to improve