Here in Canada when someone asks a financial institution for a loan we have companies such as Equifax to check credit worthiness. We also have laws that govern if you default, what happens. In China, government involvement seems to have no bounds.
Small and large companies can go bankrupt if they do not pay back money owed. We have bail bondsmen that will repossess cars, boats and other movable objects.
I have highlighted this site because this site really stands out. By capturing the essence of the organization, working as an effective marketing tool, as well having strong usability, this is one very effective and creative website.