1. Cultural attitudes toward risk are critical in credit granting organization. Credit behavior has its own cycle each credit, however, the system has linked characteristics: Oa Attitudes and abilities O b. All of the statements are correct Oc Attitudes, responses, behavioral patterns, CEO behavior, Od Personalities of officers and knowledge, 1. Cultural attitudes toward risk are critical in credit granting organization. Credit behavior has its own cycle each credit, however, the system has linked characteristics: Oa Attitudes and abilities O b. All of the statements are correct Oc Attitudes, responses, behavioral patterns, CEO behavior, Od Personalities of officers and knowledge