In the process of credit, banks need to give consideration to safety, liquidity and profitability. Commercial banks follow three principles: safety principle, liquidity principle and profitability principle. Among them, the principle of safety management means that commercial banks should be able to recover the principal and interest on schedule and avoid various unfavorable factors, especially the loss of principal. The principle of liquidity management refers to ensuring that the bank has enough cash to pay in the case of the outflow of deposits from commercial banks (that is, the withdrawal or payment demand of depositors leads to the decrease of deposits), that is, maintaining the liquidity of the bank's own assets to meet the needs of customers. The principle of profit management means that commercial banks must get as high income as possible in asset business.

Therefore, in the process of credit, banks need to comprehensively consider the borrower's credit status, repayment ability, guarantee situation and other factors, as well as their own capital costs, risk tolerance and other factors to formulate loan programs. At the same time, banks need to adjust the loan term, interest rate and other factors according to market conditions and their own business strategies to achieve the optimal balance.