The principle of security means that banks should try their best to establish and avoid the risks and losses of credit funds in the process of operating credit business.

Liquidity principle refers to the principle that commercial banks can recover loan funds within a predetermined period or quickly convert credit into cash without loss.

The principle of profitability refers to the rational use of funds, improve the efficiency of the use of credit funds, maximize profits, and strive to achieve the unity of the bank's own economic and social benefits.