1, principle of efficiency, safety and liquidity. As an enterprise legal person, profit is the primary purpose of commercial banks.
2. The principle of independent operation according to law. This is the concrete embodiment of commercial banks as enterprise legal persons, and it is also the inevitable requirement of the operation of market economic mechanism.
3. The principle of protecting the interests of depositors. Deposits are the main source of funds for commercial banks, and depositors are the basic customers of commercial banks.
4. The principles of voluntariness, equality, honesty and credit. Commercial banks and customers are civil legal relations between equal subjects.
5. Strictly guarantee the credit of the lender and recover the loan principal and interest on schedule according to law.
6. operate according to law, without harming the public interest.
7. Fair competition.
8. Accept the supervision and management of the central bank and the CBRC according to law.
Relevant regulations:
Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." "Commercial banks conduct business according to law and are not subject to interference by any unit or individual." "Commercial banks independently bear civil liabilities with all their corporate property.
The above contents refer to Baidu Encyclopedia-Operating Principles of Commercial Banks.