Independent management department is necessary. Establishing independent management department is attribute to improve the quality of examination and approval of the credit business, strengthen the responsibility of credit approval and prevent risks. The expert system of examination and approval can play an critical part In the risk control. Through the establishment of full-time loan approver system, credit business will be properly managed. The system is carried out as follow. First of all, a certain number of credit examiners or approvers are required for the authorized institutions engaging on credit business [6]. Loan approvers, should follow the Three principle, based on Chinese economic policies, laws and regulations, and credit business strategy, to inspect the economic and technological possibility of each loan. Finally, considering the potential risks and profits, they will decide whether or not to offer approvals to the loans.