(2) The main contents of the loan policy.

① Development strategy of loan business.

(2) loan procedures. Loan work rules usually include three stages: pre-loan publicity, investigation and credit analysis; Evaluation, review and loan issuance stage; Supervision and inspection, risk monitoring and loan principal and interest recovery stage.

③ loan scale and proportion control. The main measurement indicators are: loan-to-deposit ratio, loan-to-capital ratio, loan ratio of individual enterprises, and medium-and long-term loan ratio.

(4) the field of loans.

(5) loan guarantee. The loan guarantee policy should generally include: defining the guarantee method; To stipulate the evaluation methods and procedures of collateral; Determine the ratio of loan to collateral value and the ratio of loan to collateral; Evaluation methods and procedures for determining the guarantor's qualification and repayment ability.

⑥ Loan pricing. The price of bank loans generally includes loan interest rate, loan compensation balance (deposit balance) and fees charged by some loans (such as commitment fees).

⑦ loan files.

Daily management and collection system of loans. After the loan is issued, the daily management of the loan is particularly important to ensure the quality of the loan and should be stipulated in the loan policy. At the same time, banks should formulate effective loan recovery and collection systems.

Pet-name ruby management of bad loans. After the loan is issued, if the warning signal of non-performing loans is found in the post-loan inspection, or it is included in the loan quality evaluation, we should pay full attention to it.