2. Mortgage loan and secured loan system.

3. Establish a risk management system.

4. Strengthen the establishment of the evaluation system of operating efficiency.

5. Establish and improve the management system of savings interest rate.

6. Establish various accounting settlement management systems.

Commercial banks should establish and improve the loan examination and approval system, improve the credit risk preparation system, establish a scientific and standardized credit rating system for loan enterprises, conduct market research and forecast on all kinds of new loans and production projects, and determine the focus of capital investment and structural adjustment.

In addition, it is necessary to establish a system of "three checks" on loans, separation of duties and separation of loan review functions, and improve the loan restraint mechanism. It is necessary to make active use of the existing bad debt reserves, carry out bad debt write-off as soon as possible, and strive to use the bad debt reserves extracted every year to write off non-performing loans in accordance with regulations to prevent risk accumulation.

It is necessary to implement internationally accepted risk management methods, refer to the core principles of effective supervision of Basel Bank, and use quantitative indicators to predict and evaluate the risks of various loans as the basis for evaluating loan quality and dividing loan approval authority.

What principles should commercial banks follow in their operations: the principles of efficiency, safety and liquidity; The principle of independent operation according to law; The principle of protecting the interests of depositors; The principles of voluntariness, equality, honesty and credit; Strictly guarantee the credit of the lender and recover the principal and interest of the loan on time according to law. Operating in accordance with the law, without harming public interests and fair competition.

Commercial banks will inevitably increase or decrease funds in specific businesses such as deposits, loans, deposits and cash cashiers, which requires continuous, systematic and comprehensive recording and reflection by bank accounting. Bank settlement is the intermediary of fund settlement for social and economic activities and an important business of commercial banks. The task of commercial bank settlement is to explore economic exchanges, organize settlement reasonably, and handle settlement accurately, timely and safely. Therefore, commercial banks should establish their own settlement system, strengthen settlement management and ensure the normal settlement activities in accordance with the Bill Law, Measures for the Administration of Bills and Measures for the Settlement of Cheques.