Can be divided into two, when one person or business to the banks for loans, bank credit, according to its financial condition and liquidity requirements of the credit approved credit limit. Borrower may, within the limits, to keep the Bank for financing goods application development credit; the second is the bank from which the industry laid the credit line, the bank may, within such limits, ready access to credit to peers confirmation or bill acceptance and other long-term credit granted. Set the credit limit as a method to control bank credit risk. Credit line is only a trailer, not contract, so the bank reserves the right to change or cancel the credit line.