At present, China's commercial banks mainly have the following three businesses: 1. Asset business Commercial banks use their centralized monetary funds to engage in lending, investment (securities investment, cash assets investment, fixed assets investment), leasing, foreign exchange trading, bill discount and other businesses. The most important thing is the loan business and investment business. Loan business includes short-term, medium-term and long-term credit business and consumer loan business. 2. Debt business: various deposits. Intermediary business: agency, settlement, etc. Because you only want to know about the asset business, the liability business and the intermediary business will not be introduced in detail.