Security;

Liquidity;

Profitability;

Safety is the premise, liquidity is the means, and profit is the purpose;

Efficiency is another manifestation of profitability.

The principle of "three characteristics" in bank operation first appeared in China's 1995 Commercial Bank Law, which stipulated that commercial banks should follow the principle of "efficiency, liquidity and safety". The Commercial Bank Law of 2003 adjusted the order of "three natures" to "safety, liquidity and efficiency", and put safety in the first place, which has continued to this day.

Current financial risks:

Behind the "inflated money" lies the fact that a large amount of funds are idling inside the financial system;

Business boundaries are increasingly blurred, and regulatory arbitrage brings irrational business expansion;

Financial innovations emerge one after another, and the potential risks should not be underestimated.