"This represents a major transformation in the view of banks," says David Han. In the past, the banks mostly had a "pawn shop" mindset. They were only willing to make a loan if the client could offer some collateral.
「這也代表銀行觀念的大轉變」，華信銀行韓道暐指出，銀行過去普遍存有「當鋪」心態，總要客戶拿得出擔保品才願意放貸。