Security is one of the three principles for banks to issue personal or corporate loans, and it is also the primary consideration for banks. The security of bank loans not only refers to the security considerations of borrowers' repayment, but also relates to the current capital strength of banks. Whether providing large loans to individuals or enterprises will affect the operation of other banking businesses of banks, only when the loan business meets the safety conditions can the harmonious, healthy and orderly banking business be issued to the outside world.

Principle 2: Liquidity

Banks also need to meet the liquidity principle when granting loans to individuals or enterprises. First, the borrower can repay the bank loan on schedule; Second, when the borrower is unable to repay the bank loan, he can flexibly realize the loan mortgage without causing the depreciation of capital; Third, it is related to the liquidity of banking enterprises, that is, after banks issue loans to individuals or enterprises, the bank's deposit withdrawal business can be unaffected, and deposit withdrawal also needs the protection of liquidity principle.

Principle 3: Efficiency

Of course, the main purpose of bank loans to individuals or enterprises is the interest rate of loan business, that is, it needs to meet the benefit principle of loans, which is also the most important point in the three principles. The principle of bank loan business is to pursue profit maximization on the basis of ensuring safety and liquidity. If the bank issues loans to individuals or enterprises, and there is no response to income, the possibility of loan issuance is low.