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Means the commercial banks to achieve their business objectives and the guiding principle of lending operations and measures of the general, but also commercial banks to follow the safety, liquidity, profitability three principles specific guidelines and measures. Commercial banks to develop lending policies, first is to ensure the coherence of its business activities. Lending policy is to guide each of the general principle of a loan decision. Ideal to support bank lending policies to make the right lending decisions, to contribute to the operation of banks; Second, is to ensure the quality of bank loans. Credit policy can correct the bank's credit management maintain the desired level, to avoid the risk too great, and can be appropriately chosen business opportunity. In addition, the loan policy is to establish credit in the Bank promises. Clear policies established by the credit bank promises a common basis for the development of credit culture. Planned economy to market economy in the process of lending mainly from the monetary authorities. But with the government financial deregulation, commercial banks must set their own lending policies of the content. Lending policies of science, rationality and the status of implementation is bound to affect the business performance of commercial banks.
Commercial bank lending policies should include the main elements: (1) determine the direction of bank lending activities of the basic principle that the commercial bank business objectives and operating guidelines (safety, liquidity and profitability); (2) a clear credit policy committee Huo Loan Committee in the form and functions; (3) loan approval authority to establish responsibility and procedures for loan approval; (4) provides that the lending limit, including a borrower's credit for each maximum amount of total deposits of bank loans or capital rate; (5) mortgage loans or guarantees; (6) loan pricing; (7) the type of loans and regional restrictions. The lending policies should reflect the content of the commercial banks and the business strategy and business purposes, to determine the operating characteristics of commercial banks and business direction.
Commercial Bank of the loan policy was based primarily on: (1) where the country's financial laws, regulations, policies, fiscal policy and central bank monetary policy; (2) The bank's funding sources structure, the capital position and debt structure; (3) the status of national economic development; (4) Bank staff capacity and experience.