Abstract: Credit decisions are considered the cornerstone in the strategic planning of bank system with regard to the devision of granting credit because it involves the basics, standards, conditions, scope, powers and types of bank credit, whether internal or external. It may also constitute an abutment (or pivot) in drawing the backing and alternative policies and in taking the corrective steps at the level of economic, financial and monetary policies and this originates from the facts that the new credit policy should be presented on an objective and appropriate basis for the financing (or funding), organizational and technical conditions and potentialities of the bank system which it serves.