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personalcreditbusinessprocessmanagement,anddevelopmentofbusinessprocesses,cleartheloanobjectandscope,establishloanoperationofassessmentandaccountabilitymechanisms.DiversitymanagementprinciplestheBank'
sstrictseparationbetweenbusinessandconsumeruseofpersonalcredit,thenaccordingtothedifferentvarietiesofbusinesstoestablishtheappropriateaccessstandard,post-lendingmanagementrequirements.BusinessusepersonalcreditshouldbestrictlyinaccordancewiththeqiluBank'
ssmallbusinesscreditriskmanagementguidelinesandassociatedworkingcapitalloansmanagementrequirements,suchasassessingthemanagementofproductionandoperation,repaymentability,thelevelofrisk,andsoon.IncomedebtratiocontrolprincipleofBankincomedebtratiocontrolmechanism,combinedwiththeborrower'
sincome,debt,expenditures,loans,guaranteesandotherfactors,determinestheloanamountandterm,controleachrepaymentdoesnotexceedtheamountoftheborrowerrepaymentability.Principlesoftrans-regionallimitsBranchesshallnotinprincipletooperatingincomemainlycomesfromoffsite(prefecture-levelcitiesandadministrativedivisionsatorabove)orinward(MS)chargeprovidedcreditsupportforindividualcustomersislocatedindifferentplaces,butexceptthosewithuniqueadvantagessuchascritical.Havesetupbranchesindifferentplaces,otherbodiesarenotentitledtocarryoutthebranchofcreditbusinessintheregion.BranchCountyareahasbeenestablished,otherbodiesarenotentitledtoapplyforthecreditwithintheCounty.Doublebeforegoingthroughthepersonalcreditbusinesscreditinvestigation,Contracting,securityverification,creditcheck,keyaccountmanagershouldbedoublehandle.Banksupportsriskmanagers,loanreview,professional
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sincome,debt,expenditures,loans,guaranteesandotherfactors,determinestheloanamountandterm,controleachrepaymentdoesnotexceedtheamountoftheborrowerrepaymentability.Principlesoftrans-regionallimitsBranchesshallnotinprincipletooperatingincomemainlycomesfromoffsite(prefecture-levelcitiesandadministrativedivisionsatorabove)orinward(MS)chargeprovidedcreditsupportforindividualcustomersislocatedindifferentplaces,butexceptthosewithuniqueadvantagessuchascritical.Havesetupbranchesindifferentplaces,otherbodiesarenotentitledtocarryoutthebranchofcreditbusinessintheregion.Br