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It represents that the three banks have better performance than others, and there are no adverse effects Links of London their credit risk policies. Nevertheless, there are ten banks never attaining the perfect efficiency score . in CRTE, CEPTE or CRSE, and their three types of efficiencies are below average. The result indicates that the ten banks have poorer performance than others over the study period. In productivity change on credit risk, the derived results show that the credit risk efficiency of seventeen banks has been improving over the evaluated periods while other seventeen banks' credit risk efficiency Links of London Earrings been declining. Overall, the results of CRMPI indicate that productivity growth on credit risk decreased on average by . over the entire period. It is indicated that the DMUs own downward shifts of the credit risk efficiency. According to the values of the mean of CRPTE and the mean of CRMPI, we classify the banks into four groups, namely, high credit risk efficiency and positive productivity change on credit risk management group , low credit risk efficiency and positive productivity change on credit risk management group , high credit risk efficiency and negative productivity change on credit risk management group , Links of London Back to School Chubby Red Pencil Charm low credit risk efficiency and negative productivity change on credit risk management group . The banks in group should maintain and gain the greater competitive advantage and seek to find further improvements. The banks in group should improve their credit risk management to gain the competition advantage and to maintain their substantial productivity. The banks in group must plan new strategies of credit risk management for new breakthroughs to be able to maintain a secure competitive advantage and gain high productivity. The banks in group should reexamine their actions and activities in their credit risk management. Therefore, we regard that different groups of banks should have different strategies of credit risk management to survive in this changing environment. Statistical inference can be drawn by conducting significance tests or creating confidence intervals. In practice, most studies perform significance tests Links of London Back to School Chubby Blue Pencil Charm analyze and interpret their data. The use of significance testing has come increasing attack in recent years. The purpose of this paper is to compare these two methods of statistical inference using data collected from the top management support literature.