Loan is a main way for contemporary people to spend in advance. Now the main channels of loans are bank loans, private loans and online loans, and most of them choose bank loans. Do you know the three principles of commercial bank loans? What is the importance of the three principles of commercial bank loans? Let's take a look at the detailed answers for you.

Three principles of commercial bank loans and their importance

1, profitability principle

Profitability is the most important of the three principles. Commercial banks have the nature of enterprises. They are profit-making commercial organizations, self-managing, self-managing and self-financing. The business of commercial banks is also profit-oriented, especially loans, which are one of the main sources of expected annualized income of commercial banks, accounting for 30% of bank income. Therefore, bank loans also have the principle of expected annualized expected income, and most bank loans have to earn interest.

2. Safety principle

The security of loans is also the most important point that commercial banks are facing now, and the security of loans also refers to the security of funds.

Loans are based on credit. Once there are non-performing loans, especially non-performing loans, bank loan funds will be lost. In terms of the security of loans, banks are also constantly strengthening, controlling risks and improving the security of loans through auditing the ways of loans and guarantees.

3. Liquidity principle

Liquidity is the most instructive of the three principles. The so-called liquidity is the recovery of loan funds within a certain period of time. In financial management, the liquidity of funds directly determines the expected annualized expected return, and in bank loans, the same is true for peers. High liquidity and quick gains. Therefore, following the liquidity principle can help banks get more expected annualized expected returns.