1. Credit, that is, credit loan, refers to the loan granted on the basis of the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is cited as repayment guarantee. This kind of credit loan has long been the main loan method for banks in China. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk. Mainly to provide loans to lenders without property guarantees.

2. Behavior: Credit is a lending behavior that reflects certain economic relations between different owners. It is a special form of value movement on the condition of repayment. It is a credit activity in which creditors lend money and debtors repay and pay certain interest on time. (gain income by transferring the right to use funds). Credit can be divided into broad sense and narrow sense. Credit in a broad sense refers to the general name of credit activities with banks as the intermediary and deposits and loans as the main body, including deposits, loans and settlement business. Credit in a narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

Extended data:

I. Job responsibilities of loan officers

The work of loan officers in different financial companies will be different, but in fact, loan officers need to be responsible for the sales and promotion of corporate loan products, and can achieve sales targets as required. At the same time, loan officers need to explore the market, find new customers and maintain old customers, so as to increase the sales scope of products and reach a good long-term cooperative relationship with customers.

Second, the loan officer daily work content

1. Can independently develop customers, tap potential customers through various channels, actively get in touch with customers, and provide professional financing solutions for customers according to their loan needs.

2. Complete the loan business, review the borrower's information before lending, ensure the customer's credit standing is good and the information is complete, and finally negotiate the loan plan with the customer.

3. After signing the loan contract, agree with the customer on the loan amount, interest, repayment method and loan term.

After the loan is issued, you should be responsible for the recovery of the loan amount, and pay close attention to the borrower's financial situation and whether the loan amount is used reasonably.

5. After completing the service, new customers should be able to maintain old customers and develop their secondary financing needs.

6. At ordinary times, we should also pay attention to follow up the intended customers and make some return visits regularly to improve customer satisfaction.