Yucho and Kampo plan to enter higher-yielding lines of business such as housing loans and new types of insurance, but the civil servants who work there have little experience in evaluating risk.

• 邮政储蓄银行和邮政寿险局计划向诸如房贷或是新类型保险的高收益业务进军，但是其工作人员对此类业务却并不熟悉。