1, diversification: CCB's product portfolio should cover all kinds of financial products, including savings accounts, loans, credit cards, investment and wealth management, etc. To meet the different financial needs of customers.
2. Risk diversification: CCB's product portfolio should diversify risks and avoid over-reliance on a certain product or business, so as to reduce the potential risks brought by risk concentration.
3. Personalization: CCB's product portfolio should provide personalized financial products and services according to customers' different needs and risk preferences to meet customers' specific needs.
4. Maximizing benefits: The product portfolio of CCB should pursue the maximization of the benefits of both customers and banks, and realize the economic benefits of banks by providing high-quality financial products and services on the premise of safeguarding the interests of customers.
5. Compliance: The product portfolio of CCB shall comply with relevant laws, regulations and regulatory requirements, ensure product compliance and safety, and protect the legitimate rights and interests of customers. The incorporation of the above principles can make CCB's product portfolio more comprehensive, stable and personalized, and realize the bank's economic benefits and social responsibilities while meeting customers' needs. The product portfolio of CCB refers to the collection of various financial products provided by China Construction Bank.