The terms of the credit policy is based on many different factors such as economic conditions, monetary policy and financial state of the banks, the ability of the bank's capital and credit needs customer. When these factors change, the credit policy change as well. For each customer, the bank may offer different policies accordingly. A sound credit policy will attract more customers, ensuring profitability from credit activities on a limited basis risk, compliance methods, the policies of the State that guarantees fair society. Any bank that wants to have a good credit quality will give the scientists credit policy, consistent with the fact banks as well as the market.
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