Legal basis: Article 3 of the Law of People's Republic of China (PRC) Commercial Bank is an independent enterprise legal person, enjoying all legal person property rights formed by investment, enjoying civil rights according to law, and independently bearing civil liabilities with all legal person property.
Investors of loan companies shall enjoy the rights to return on assets, make major decisions and choose managers according to law.
Article 4 A loan company shall, in accordance with the principles of safety, liquidity and efficiency, operate independently, bear its own risks, be responsible for its own profits and losses, and be self-disciplined.
Article 5 A loan company shall conduct business according to law and shall not be interfered by any unit or individual.
Article 6 A loan company shall abide by national laws and administrative regulations, implement national financial policies, and accept the supervision and administration of banking supervision institutions according to law.