Legal analysis: 1. Illegal and criminal activities are strictly prohibited: You are not allowed to participate in "pornography, gambling, drugs, gangs", illegal fund-raising, loan sharking, fraud, bribery and other illegal activities and illegal organizations;

2. Illegal debt collection is strictly prohibited: Loans are not collected through illegal means such as intentional injury, illegal detention, insult, intimidation, threats, harassment, etc.;

3. Organizing or participating in illegal private financing is strictly prohibited: Organizing or participating in illegal private financing is strictly prohibited: Private financing activities such as illegally absorbing deposits from the public, obtaining credit funds from financial institutions, transferring loans at high interest rates, and illegally issuing loans to school students;

4. Credit card crimes are strictly prohibited: You must not use your position to facilitate counterfeit credit cards, Illegal cashing out of credit cards, issuance of credit cards indiscriminately, etc. It is not allowed to apply for high-end credit cards for specific customers with better conditions than those with the same conditions, or provide high-end services that do not match the price and quality;

5. Illegal and criminal activities in the information field are strictly prohibited: You are not allowed to take advantage of your position to steal or leak customer information, or violate the business of your organization. Secret and other illegal and criminal acts. If a leak is discovered, reasonable measures should be taken immediately and reported in a timely manner. Anyone who violates work disciplines and confidentiality disciplines and causes the leakage of customer-related information shall bear responsibility in accordance with relevant regulations.

6. Insider trading is strictly prohibited: Banking industry employees should abide by the regulations prohibiting insider trading in their business activities. You are not allowed to disclose inside information in any explicit or implicit manner in violation of regulations, you are not allowed to use inside information to obtain personal benefits, or you are not allowed to provide financial management or investment advice to others based on inside information;

7. Misappropriation of funds is strictly prohibited: No Acquiescing, participating in or supporting customers' use of credit funds for stock trading, futures investment and other behaviors that violate credit policies. You are not allowed to misappropriate the funds of your institution and clients, and you are not allowed to use your own consumer loans to make illegal investments;

8. It is strictly prohibited to defraud and obtain credit: You are not allowed to express, imply or tacitly agree to use false information to defraud or obtain credit funds from customers.

9. Illegal profit transfer transactions are strictly prohibited: it is strictly prohibited to use the convenience of one's position to infringe the rights and interests of the institution where one works, and to conduct transactions with one's institution on one's own or through close relatives on conditions that are significantly better or lower than normal business conditions;

10. It is strictly prohibited to engage in part-time activities in violation of regulations: Banking industry employees should abide by laws and regulations and relevant regulations of their institutions to engage in part-time activities, proactively report their intention to work part-time and perform relevant approval procedures; they should properly handle the relationship between part-time positions and their own jobs. You are not allowed to use part-time positions to seek improper benefits, and you are not allowed to run businesses in violation of regulations. Without approval, banking industry employees are not allowed to participate in activities such as teaching, project research, thesis review, defense review, and collaborative publishing of books. If approved to participate in the above activities in units directly under the unit or under its jurisdiction, it shall be handled in accordance with the relevant regulations of the unit where they work.

Legal basis: "Professional Ethics and Code of Conduct for Banking Industry Employees"

Article 3 Banking industry practitioners shall support the leadership of the Communist Party of China and conscientiously implement the Party's and the country’s financial guidelines and policies, strictly abide by the requirements of regulatory authorities, conscientiously fulfill the tasks of serving the real economy, preventing and defusing financial risks, and deepening financial reform; love banking work, be loyal to the financial industry, earnestly perform job responsibilities, be dedicated to work, and Strive to maintain the business reputation of the bank where you work and contribute to the reform and development of the banking industry.

Article 4 Banking industry practitioners shall abide by the principle of honesty and credit, treat customers sincerely, cherish reputation, keep commitments, practice the requirements of "three strictnesses and three pragmatisms", and carry forward the "three irons" spirit of the banking industry, You must be practical when planning a job, starting a business, and being a person. You must realize your career ideals and life value through hard work.

Article 5 Banking industry practitioners should respect Party discipline and state law, strictly abide by laws and regulations, regulatory regulations, industry self-discipline norms and the rules and regulations of their institutions, consciously resist violations of laws, regulations and disciplines, and insist on not touching political bottom lines, Do not cross disciplinary red lines, observe discipline "consistently", and actively safeguard the legitimate rights and interests of your organization and customers.

Article 6 Banking industry practitioners should have the professional knowledge, professional qualifications and professional skills required for modern financial positions; establish the concept of lifelong learning and knowledge creating value, keep abreast of the dynamics of international and domestic financial markets, and continuously Learn to improve the level of policies, regulations, banking business, and risk management and control, and temper your character, supplement your knowledge, and grow your abilities through "learning by doing" and "learning by doing."