Financial guarantee business includes letter of guarantee, standby letter of credit, loan commitment and loan sale.

The intermediary business and off-balance-sheet business of commercial banks are both related and different, which is easy to be confused.

The relationship between them is: both of them are not reflected in the balance sheet of commercial banks, and some of their businesses do not occupy the bank's funds, and banks play the role of agents and are entrusted by customers; The main sources of income are service fees, handling fees and management fees. The difference is that the intermediary business is more traditional and less risky; Off-balance-sheet business is more innovative and risky, which is generally closely related to on-balance-sheet business and can be transformed into on-balance-sheet business under certain conditions.