The three principles refer to the "security, liquidity, and efficiency" of commercial banks.

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The three principles refer to the three major principles of Commercial Banks: security, liquidity, and effectiveness (also known as profitability. Profitability is the requirement of commercial banks to achieve their business objectives. It is the core position. It refers to the maximum profits that banks strive for in their business activities, and the minimum cost is used in exchange for the maximum profit; security refers to the management and operation risks of banks, that is, to avoid the impact of various uncertainties on their assets, liabilities, profits, and reputation, and ensure the stable operation and development of banks; liquidity is a matter of liquidity, that is, the bank's ability to pay for the customer's deposit at any time to meet the necessary loan needs.