This paper discusses the credit operation norms and related principles that commercial banks should have.

(1) According to the Guidelines for Internal Control of Commercial Banks, commercial banks should establish a unified credit operation standard, and specify the working standards and due diligence requirements of each link of pre-loan investigation, loan review and post-loan inspection.

(2) Commercial banks should formulate unified measures for the management of various types of credit, and clearly stipulate the conditions for handling various types of business, including specific contents such as option standards, term, interest rate, fees, guarantees, examination and approval authority, application materials, post-loan management, internal handling procedures, etc.

(3) What should commercial banks follow when granting conditional credit? First implement the conditions, then implement the credit? The principle of. Commercial banks should conduct independent due diligence on credit granting. Credit decision should be made according to the prescribed procedures, and credit should not be given in violation of the procedures or reduction procedures. In addition, in the process of credit decision-making, credit staff should be strictly required to follow the principle of objectivity and fairness and independently express their decision-making opinions without any external interference. The credit granted by commercial banks to related parties shall follow commercial principles and shall not be superior to similar trading conditions of non-related parties. In the process of credit investigation and approval of related parties, relevant personnel within commercial banks should avoid it.