We have grown up, so we laugh at the immatureness of the fairy tales.

我们长大了，所以就嘲笑童话的幼稚。

At present, the key to dealing with this relationship is to sweep off the two institutional obstacles such as immatureness of credit survey system and faultiness of penalty mechanism in credit loss.

目前，处理好这一关系的关键在于扫除征信制度不完善和失信惩戒机制不健全两大制度障碍。