The main points of the traditional credit philosophy

1, traditional credit philosophy refers to the philosophy followed by commercial banks in the management of credit, this philosophy of bank loan management priorities, credit, that is, the priority of the factors in the loan, credit to clarify.

2, the bank usually choose between the following two situations, the loan in the pursuit of high quality address based on a stable key underwriting standards of the loan portfolio, in a highly flexible underwriting standards based on the pursuit of rapid loan growth and market share expansion. The former philosophy emphasizes solid credit growth, while the latter philosophy of credit is more aggressive and pursues rapid growth in the credit business.