Seven essentials: 1, the whole process management principle; 2. The principle of applying for loans in good faith; 3. The principle of agreement commitment; 4. The principle of separate control of loans and loans; 5. The principle of real loan and real payment; 6. Principles of post-loan management; 7. The principle of penalty restraint;

Three essences: 1, the whole process management principle; 2. The principle of agreement commitment; 3. The principle of real loan and real payment;