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 may not extend credit to enterprises for the following purposes: 1. Products or projects explicitly prohibited by the state; 2. Engaging in equity investment in violation of relevant state regulations, using credit as registered capital, verifying registered capital and increasing capital and shares; 3. In violation of relevant state regulations, engaging in investment in stocks, futures and financial derivatives; 4 other projects in violation of national laws, regulations and policies. If the customer fails to obtain one of the following valid approval documents according to the national regulations, or if he has obtained them, he has broken them into parts, overstepped his authority, overstepped his authority in disguised form or overstepped his authority for examination and approval, the commercial bank will not grant credit: 1. Project approval documents; 2. Approval documents for environmental protection; 3. Land approval documents; 4. Other approval documents required by the state. If the credit conditions change after a commercial bank makes a credit decision, the commercial bank shall make a new decision or change the credit according to the relevant laws and regulations or the corresponding contract terms. Commercial banks should follow the principle of "implementing conditions first, then implementing credit" when implementing conditional credit. Credit conditions have not been implemented or conditions have changed and no new decision has been made, and credit may not be implemented. Commercial banks should make corresponding legal documents for the proposed credit, and review the legality and compliance of the legal documents. For the main clauses of legal documents, please refer to the annex "Tips on Main Clauses 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.