Credit is active for the purposes of the Bank's most lucrative. The level of credit is the Bank agreement to organize, personal use of a sum of money or the commitment to allow the use of a sum of money under the rule has returned. In the form of credit, loan is the most widely used form. Loans are a form of credit granted by the Bank that delivered or committed to the client a sum of money to use in the the purpose defined in a certain period under the principle there is interest and capital repayment.However, in addition to lending operations that bring profit source for banks is also coupled with the banks are faced with a number of risks, these risks can reduce the equity of the Bank led to the bankruptcy of the Bank. So, when lending, the Bank should establish a process, called the loan process, to minimize the risks that banks face.
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