Classification of financial intermediaries:
1. Commercial banks and other deposit financial intermediaries mainly engaged in financing business, mainly including commercial banks, policy banks, savings banks, urban credit cooperatives and agricultural credit cooperatives.
2. Investment-oriented financial intermediaries such as securities companies, mainly investment banks, securities companies, finance companies, financial asset management companies, financial leasing companies, financial trust and investment companies, investment fund management companies, futures exchanges and stock exchanges.
3. Insurance companies also have other financial intermediaries that mainly provide security services, generally referring to various insurance companies and pension funds, government pension funds, unemployment insurance funds, medical insurance funds, etc.
4. Financial intermediaries in information consulting services mainly focus on financial information consulting business, generally including credit evaluation companies, credit investigation companies, accounting firms, law firms that mainly provide financial legal services, and so on.
According to whether it is a deposit monetary institution, it is divided into:
1. Deposit currency institutions: generally including commercial banks, specialized banks, grassroots cooperative financial intermediaries, central trust bureaus, etc. Internally, specialized banks include SME Bank, Industrial Bank and Agricultural Bank. Generally, the financial intermediaries that cooperate with the grassroots include credit cooperatives and the credit department of the Agricultural and Fishery Association.
2. Non-deposit financial institutions: generally including postal savings and exchange bureaus, trust and investment companies and insurance companies.
Introduction of commercial banks, etc.
1. Main business of commercial banks: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Issuing financial bonds; Issuing, accepting and underwriting government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Engaged in bank card business; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Safe deposit box service
2. The main business of a securities company: securities brokerage (accepting the entrustment of customers and buying and selling securities on their behalf according to the requirements of customers); Securities investment consulting (securities related consulting); Financial advisers related to securities trading and securities investment activities; Securities underwriting and sponsorship (helping issuers sell securities; Guarantee recommendation); Securities self-management; Securities asset management; Other securities business
3. Insurance company's main business: life insurance business; Property insurance business; Other insurance businesses approved by the State Council Insurance Regulatory Authority.