The business risk management department and the functional risk management department of a bank are generally merged.

The examination and approval department is relatively simple, only responsible for examining the credit business of companies or individuals, and its main role is to provide examination and approval suggestions for those who have the right to sign and approve.

The credit management department is generally responsible for other management functions related to credit, including but not limited to credit rating, post-loan management, file management, etc.

Credit granting refers to all kinds of credit granting activities of commercial banks, such as customer investigation, business acceptance, analysis and evaluation, credit granting decision and implementation, post-loan management, and problem credit management. Credit granting personnel refer to the relevant personnel of commercial banks who participate in credit granting.

Credit due diligence refers to the fact that the credit personnel of commercial banks have fulfilled the most basic due diligence requirements in accordance with the provisions of these guidelines. Due diligence of credit work refers to the independent verification, evaluation and report of the due diligence of credit personnel by the due diligence personnel of the head office and branches of commercial banks.

Extended data:

Decision requirements of bank credit department:

The credit decision of a commercial bank should be made within the scope of written authorization, and it is not allowed to extend credit beyond its authority. The credit decision of commercial banks should be based on the prescribed procedures, and credit should not be issued in violation of the procedures or by reducing the procedures.

In the process of credit decision-making, commercial banks should strictly require credit staff to follow the principles of objectivity and fairness and independently express their decision-making opinions without interference from any external factors.

Commercial banks should follow the principle of "implementing conditions first, then implementing credit" when implementing conditional credit. Non-execution of credit conditions or changes in conditions without making a new decision shall not be executed.

Commercial banks should make corresponding legal documents for the proposed credit, and review the legality and compliance of the legal documents. For the main terms of legal documents, please refer to Tips for Main Terms of Format Contract Text.

Commercial banks should pay attention to the legality of loan contracts when granting credit. Before signing the loan contract, the credit granting staff authorized to sign the loan contract shall examine the loan contract item by item, and confirm the accurate legal name of the customer, the authorization certificate of the authorized signatory on behalf of the customer, the identity of the signatory and the legality of the credit granting legal documents signed.

Baidu encyclopedia-credit granting