Correct answer: b, e.

The principle of resolving conflicts of interest requires that bank employees take the initiative to explain conflicts of interest to the management of their institutions and put forward suggestions to deal with conflicts of interest. Banking practitioners themselves and their relatives should clearly distinguish between the interests of their institutions and personal interests when purchasing financial products sold or represented by their institutions or accepting services provided by their institutions, and should not take advantage of their work to trade with their institutions at conditions or prices that are obviously better or lower than those of ordinary financial consumers.