1. Credit is a credit loan, which refers to a loan issued based on the creditworthiness of the borrower. The borrower does not need to provide guarantee. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of our country's banks for a long time. Since this type of loan has high risks, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, management level, development prospects, etc. to reduce risks. Mainly provides loans to lenders without physical security.

2. Behavior: Credit is a lending behavior between different owners that embodies a certain economic relationship. It is a special form of value movement conditioned on repayment. It is a creditor who lends money and the debtor repays it on time and pays a certain amount. Credit activity with interest. (Obtain income by transferring the right to use funds). Credit can be divided into broad and narrow senses. Credit in a broad sense refers to the general term for credit activities with banks as intermediaries and deposits and loans as the main body, including deposits, loans and settlement businesses. Credit in the narrow sense usually refers to bank loans, that is, the issuance of monetary funds with banks as the main body.

Extended information:

1. Job responsibilities of loan officers

The work content of loan officers in different financial companies will be different, but in fact, loan officers need Responsible for the sales and promotion of the company's loan products, and able to complete sales targets as required. At the same time, loan officers also need to explore the market, find new customers, maintain old customers, increase the sales scope of products, and establish good long-term cooperative relationships with customers.

2. Daily work contents of loan officers

1. Able to independently develop customers, use various channels to discover potential customers, proactively contact customers, and be able to respond to customers’ loan needs , providing customers with professional financing solutions.

2. Complete the loan business, review the borrower's information before lending, ensure that the customer's credit is good and the information is complete, and finally negotiate the loan plan with the customer.

3. After signing the loan contract, agree with the customer on the loan amount, interest, repayment method, loan period, etc.

4. After the loan is issued, you must be responsible for recovering the loan amount, and at the same time pay close attention to the borrower's financial status and whether the loan amount is used reasonably.

5. After new customers complete services, they must be able to maintain old customers and develop secondary financing needs for old customers.

6. Pay attention to following up on intended customers and make regular return visits to improve customer satisfaction.