The credit process Loan policy:formalizes lending guidelines Credit philosophy:how much risk and the form Credit culture:the fundamental principles Three potentially different credit cultures: ▣Values-driven Current-profit driven ▣arket-share driven 麓封强的黄香+孝The credit process The credit process † Loan policy: formalizes lending guidelines † Credit philosophy: how much risk and the form † Credit culture: the fundamental principles „ Three potentially different credit cultures: † Values-driven † Current-profit driven † Market-share driven