1. Different credit lines should be determined according to the management level of different customers, asset-liability ratio, loan repayment ability and other factors.
2. Within the determined credit line, the amount of each loan and the actual total amount of the loan shall be specifically determined according to the actual capital needs of local and customers, repayment ability, credit policy and the ability of banks to provide loans.
Extended data:
1. Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year.
2. Credit refers to various credit business activities of commercial banks, such as customer survey, business acceptance, analysis and evaluation, credit decision-making and execution, post-credit management, and problem credit management.
3. Commercial banks should follow the principle of "implementing conditions first, then implementing credit" when implementing conditional credit. If the credit conditions have not been implemented or the conditions have changed and a new decision has not been made, credit may not be implemented.
4. Credit cannot be equated with loans, and credit is a general concept of risk control. Loans are loans issued by banks or other credit institutions to borrowers, which must be repaid and interest paid within a certain period of time.
References:
Baidu Encyclopedia _ Credit Baidu Encyclopedia _ Commercial Bank Credit