Intermediary business refers to businesses that do not constitute on-balance-sheet assets and on-balance-sheet liabilities of commercial banks but generate non-interest income of banks, 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 business.

Trading business (foreign exchange trading business, financial derivatives trading business)

Clearing business (domestic inter-bank clearing and international clearing)

Payment and settlement business (bills, remittances, collections, letters of credit, etc.). )

Bank card business (debit card, credit card)

Agency business (agency business, agency banking business, agency securities business, insurance agency business, other agency business).

Custody business (asset custody, custody business)

Guarantee business (bank guarantee business, standby letter of credit business)

Commitment business (loan commitment business)

Financial services (personal financial services, corporate financial services)

E-commerce (online banking, mobile banking, telephone banking, self-service terminals)