The first-class credit file refers to the warrant file, which is a credit business conducted in the form of collateral, and can prove the important elements of the ownership and disposal right of collateral.

Credit refers to the form of value movement on the condition of repayment and interest payment. It usually includes credit activities such as bank deposits and loans. In a narrow sense, it only refers to bank loans, which is the same as "credit" in a broad sense. Credit is an important form of paid mobilization and distribution of funds in socialist countries and a powerful lever for economic development. ?

From a practical point of view, the basic conditions for banks to issue credit loans are:

First of all, if the credit rating of corporate customers is at least AA- (inclusive), credit loans can be issued after approval by provincial branches of state-owned commercial banks;

Second, the total profit of operating income accounting has continued to grow in the past three years, the asset-liability ratio is controlled within a good range of 60%, and the cash flow is sufficient and stable;

Third, the enterprise promises not to set mortgage (pledge) or external guarantee for its effective operating assets, or to obtain the consent of the lending bank before handling mortgage (pledge) and external guarantee;

Fourth, business management is standardized, and there are no bad credit records such as debt evasion and interest arrears.