“…All of the three banks are concerned about the entrepreneur's expected volume of the loan (b 1,1 , b 2,1 , b 3,1 ), the entrepreneur's capital structure (b 1,2 , b 2,2 , b 3,2 ), and the entrepreneur's former credit (b 1,3 , b 2,3 , b 3,3 ). B 3 also intends to assess the length of the loan (b 3,4 ). All criteria are benefit type.…”