much more prudence than in the past. Based on specific figures, the author proves that the banks' unwillingness to lend … stems especially from the state of demand in the local economy and among foreign customers, and from the fact that the ratio … of default loans to the total number of loans has been increasing in the long term, threatening the stability of banks …

steps needed for a good team operation. The last part is devoted to the issue of intercultural negotiation in teams. …