文档介绍：personal credit business process management, and development of business processes, clear the loan object and scope, estion of assessment and accountability mechanisms. Diversity management principles the Bank's strict separation between business and consumer use of personal credit, then according to the different varieties of business to establish the appropriate access standard, post-lending management requirements. Business use personal credit should be strictly in accordance with the qilu Bank's small business credit risk management guidelines and associated working capital loans management requirements, such as assessing the management of production and operation, repayment ability, the level of risk, and so on. Income debt ratio control principle of Bank income debt ratio control mechanism, combined with the borrower's income, debt, expenditures, loans, guarantees and other factors, determines the loan amount and term, control each repayment does not exceed the amount of the borrower repayment ability. Principles of trans-regional limits Branches shall not in principle to operating income mainly comes from offsite (prefecture-level cities and administrative divisions at or above) or inward (MS) charge provided credit support for individual customers is located in different places, but except those with unique advantages such as critical. Have set up branches in different