1. Debt business refers to the business of commercial banks to raise funds and form a source of funds. It is the basis of asset business and other business of commercial banks. Including major deposit business.
Two. Asset business refers to the business that commercial banks use funds to obtain profits in various ways. Including cash business, loan business and investment business.
Three. Intermediary business: refers to the business that commercial banks do not directly undertake or form creditor's rights and debts, do not use their own funds to handle entrusted matters such as payment for customers, and charge them handling fees. The intermediary business of commercial banks mainly includes settlement business, agency business, consulting business and custody business.
4. Off-balance-sheet business: The business engaged by commercial banks is not included in the balance sheet and does not affect the total assets and liabilities of banks. Including: guarantee, financial derivatives business (such as forward foreign exchange contracts, currency swaps, currency futures, currency options, interest rate options, stock indexes, futures and options, etc.). ).).