This case is important because it sheds the light on the key issues that need to be in place in order to reduce the risk of credit default. If we are to understand the profound significance and the contribution made by lack of Credit controls, the easy credit terms of banks to grant credit facilities and the loosened government legislations that govern the whole lending activity, then we will learn how the Credit Crises was driven and accumulated over the years. On the other hand, we will ensure how a controllable lending environment that is well managed will generate healthy borrowings ...