For each bank, human forces decisive role in all business activities. Particularly for staff working on credit, is the labor force without a machine, the technology would be able to replace the professionalism and professional ethics has the greatest significance. Reality in Quang Tri, the BANK is working very young also credits both his age and profession, fostering, professional training and professional ethics are essential.• Importance of training, advanced training for officers working on credituse of theTrade of regular classes, training for staff working on creditlaw, economic knowledge, fostering knowledge to enhance the capability reviews, analysis of credit risk for credit officers.Construction of training policy, encourage staff working in the branch of higher school, Ph.d. at the University and abroad to build the excellent staff.• Improve morale and professional ethics for officers to do the work of creditIn order to limit the credit risk, risk professional ethics, at the same time enhance the sense of responsibility, there should be an appropriate salary regime to encourage officers to do the work of credit. Currently, the Bank applies the same wage for all credit officer is unreasonable, not encouraging workers to engrossed all with work. Therefore, for officers to do the work of credit, should formulate a bonus, wage policy in line with enhanced levels of outstanding officers. At the same time also apply to certain penalties in the case of loans with credit risk such as: bad debt provision, overdue ... from which to enhance the sense of responsibility, the rights and obligations of officials working on credit for every loan that that officer in charge.
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