Banking business refers to the business handled by banks. According to the complexity of business and the dependence on outlets, banking business can be divided into traditional business and complex business. According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business. According to the complexity of business and the dependence on outlets, banking business can be divided into two parts: one part is traditional business, including general loans, simple foreign exchange trading, trade financing and so on. , mainly supported by a large number of branch outlets and business volume. In addition, there are complex businesses, such as derivative products, structured financing, leasing, introducing strategic investors, mergers and acquisitions, etc. These are high-tech and high-profit business areas, which are not very dependent on the branch network. According to the composition of its balance sheet, banking business is mainly divided into three categories: liability business, asset business and intermediary business.
Debt business is the business of commercial banks to form a source of funds, and it is an important basis for intermediary business and assets of commercial banks. The liability business of commercial banks is mainly composed of deposit business, loan business and interbank business. Liabilities are debts that can be measured in money and will be repaid with assets or capital. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, interbank deposits, borrowing funds or issuing bonds also constitute bank liabilities. Asset business is the business that commercial banks use funds, including loan business, securities investment business and cash asset business. Intermediary business refers to the business that does not constitute on-balance-sheet assets and liabilities of commercial banks and generates non-interest income, including trading business, clearing business, payment and settlement business, bank card business, agency business, custody business, guarantee business, commitment business, wealth management business and electronic banking business. Debt business is the activity of commercial banks to raise funds for their daily work through external liabilities, and it is the basis of asset business and intermediary business of commercial banks. It is mainly composed of self-owned funds, deposits and loans, in which deposits and loans absorb foreign capital, and interbank deposits, loans or bonds are also bank liabilities.