As a result, "unless one ran across the special situation of a bank's funds being especially soft, so that it was necessary to quickly channel them back out, banks had a very low willingness in the past to undertake personal consumer loans, and most dealt mainly in commercial loans," says one Taipei City Bank section chief frankly.
因此，「除非是碰到銀行資金特別寬鬆、需要趕快消化的特殊情況，否則以前銀行承做個人消費性貸款的意願並不強，多半還是以做企業放款為主」，北市銀放款部門的一位科長坦白指出。