1. Credit rating matching: When issuing loans, banks need to determine the loan amount, interest rate and guarantee conditions according to the credit rating of borrowers.
2. Matching loan purposes: Banks need to ensure that loan funds are used for legal and compliant business activities, so as to reduce the credit risk caused by borrowers' illegal business operations or loan abuse.
3. Matching repayment ability: The bank needs to evaluate the borrower's repayment ability to ensure that the loan term, repayment method and amount are in line with the borrower's actual affordability.
4. Matching of risk mitigation measures: In order to reduce credit risk, banks need to establish a sound risk mitigation mechanism.