However, the People's Bank of China only has deposit and loan business for financial institutions, and does not handle deposit and loan business for other units and individuals.

Supplement:

The People's Bank of China has a business department. It is only used for financial institutions to handle deposit and withdrawal business, refinancing, rediscount and other businesses.

In addition:

All financial institutions are required to deposit reserves with the People's Bank of China, and deposit financial institutions that exceed the reserve ratio are free to withdraw them. Depositors of financial institutions in the People's Bank of China must pay interest.