The principles of corporate credit management include

(1) Principle of whole-process loan management: Effective credit risk management runs through every link of the loan life cycle. (2) Principle of applying for a loan in good faith ① The borrower abides by the principle of honesty and trustworthiness, provides the application materials in the loan according to the specific methods and contents required by the lender, and promises that the materials provided are true, complete and effective; (2) The borrower shall prove that its credit record is good, and the loan purpose and repayment source are clear and legal.

(3) The principle of agreement and commitment: emphasize the completeness of contract, the legalization of commitment and the systematization of management; (4) Principle of separate control of lending: loan approval and loan issuance are regarded as two independent business links, which are managed and controlled respectively; (5) The principle of actual loan and actual payment: The process that banking financial institutions pay loan funds to borrowers' counterparties mainly through the way of entrusted payment by lenders according to the effective loan demand of borrowers.

(6) Contents of post-loan management principles: ① Supervise the use of loan funds according to their purposes; ② Monitor the borrower's account; (3) Emphasize the guidance and binding nature of the relevant clauses of the loan contract on post-loan management; (4) According to the regulatory requirements, clarify the legal responsibility of the lender for post-loan management.