約聘僱、任期制人員 : 非經國家考試進用之公務人員或民意代表、代課老師、兼任老師等 Francis has blamed the scandal on the clerical culture during the church that raises priests higher than the laity. 信用條件不足：若是在銀行信用分數偏低或有瑕疵者，申請信貸可能會受到阻擋�