Legal basis: People's Republic of China (PRC) Commercial Bank Law.
Article 4 Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and exercise self-discipline based on the principles of safety, liquidity and efficiency.
Commercial banks conduct business according to law and are not subject to interference by any unit or individual.
Commercial banks independently bear civil liability with all their corporate property.
Article 5 Commercial banks should follow the principles of equality, voluntariness, fairness, honesty and credibility in their business dealings with customers.