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becoming insolvent as a prerequisite. After a debtor has defaulted on credit obligations, he/she may submit a request to the court for proceeding with reorganization. This change provides a greater
have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most
less accommodative in their monetary policies. Looking forward, global interest rates are therefore likely to be on an upward trend. Amid the trade rift which may make the global economic recovery