Loan file management refers to the standardized management of loan files according to the provisions and requirements of the Archives Law and related systems to ensure the safe, complete and effective use of loan files.

Credit file refers to the important documents and vouchers that are formed by banks in the process of loan acceptance, investigation, review, issuance and recovery to record and reflect credit business. It is mainly composed of relevant contracts and vouchers, borrower information, borrower credit business information and other comprehensive management information (including post-loan management inspection records).