1, RMB business
Absorb public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Provide guarantee; Acting for payment and insurance agency business; Provide safe deposit box business, etc.
2. Foreign exchange business
Foreign exchange deposit, foreign exchange loan, foreign exchange remittance, foreign exchange, international settlement, settlement and sale of foreign exchange, credit investigation, consulting witness, foreign exchange guarantee, acceptance and discount of foreign exchange bills, etc.
Extended data
Business model of commercial banks
Judging from the development of commercial banks, there are two business models of commercial banks. One is the British model. Commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending period and high liquidity. That is, borrowing deposits at a lower interest rate and lending them at a higher interest rate. The deposit-loan spread is the main profit of commercial banks. This business model is relatively safe and reliable for banks.
The other one is from Germany, and its business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business.
China implements a separate business model. In order to adapt to the current characteristics of separate operation and the development trend of mixed operation in China, the Sixth Session of the Standing Committee of the Tenth NPC passed the "On Revision" on February 27th, 2003.
Baidu encyclopedia-commercial bank