The main contents of the president responsibility system include: (1) the president is the person in charge of loan management, that is, the president is responsible for the safety of loans, and ensuring the safety of credit assets is the main responsibility of the president; (2) loans are managed at different levels, that is, the president is fully responsible for the safety of loans within the scope of authorization; (3) The person in charge authorized by the President is responsible to the President.

The reason why banks avoid excessive concentration of loan term: 1 reduces the utilization rate of bank funds and increases the probability of bank crisis. 2. Excessive concentration of credit leads to unbalanced regional economic development. 3 Excessive concentration is actually the country's trust in state-owned high-quality enterprises and the trust constraint on most small and medium-sized enterprises, which makes it difficult for small and medium-sized enterprises to raise funds and develop. 4. Affect the effect of macro-control.