At the outset, Chinatrust's operating strategy was to focus on savings, foreign exchange, import-export accreditation and OBU tasks. The bank has been extremely careful about involving itself in making loans. Instead, it has been using the deposits it has absorbed to buy government bonds or invest internationally, and thus get higher profits.
中信銀的經營策略初期就以存款、匯兌、進出口授信及境外銀行業務等為主；對放款操作得極為審慎，而將吸收的存款拿來購買政府公債，或以國際轉投資方式獲取較高利潤。