根据银保监会文件规定，个人贷款的审查人员在审查贷款中应重点关注（ ）。

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SQL Error: select id,body,options from ***_enewstiku where sourceid='26778' and id < 2227846 and id<>'2227846' order by id desc limit 5 SQL Error: select id,body,options from ***_enewstiku where sourceid='26778' and id > 2227846 and id<>'2227846' order by id asc limit 5