The principle of loan is that commercial banks operate on the principles of safety, liquidity and efficiency, and implement self-management, self-risk, self-financing and self-restraint. The security of loans is an important problem faced by commercial banks, and efficiency is the basis of their continuous operation.

legal ground

According to Article 4 of the General Principles of Loans, the lending activities of both borrowers and borrowers should follow the principles of equality, voluntariness, fairness and good faith.