The basic principle that commercial banks should observe in conducting personal finance business is ( ). The

Article 4 of the Interim Measures for the Administration of Personal Wealth Management Business of Commercial Banks stipulates that commercial banks shall carry out personal wealth management business with prudence and due diligence in accordance with the principle of conforming to the interests of customers and their risk-bearing capacity. Article 5 of the Measures stipulates that commercial banks shall establish corresponding risk management systems and internal control systems and strictly implement the authorization management system in carrying out personal finance business. Therefore, A, D and E are correct.