Banks generally do not handle corporate business on holidays and statutory holidays, and personal business can be handled as usual. Statutory holidays refer to the rest time for celebrations and vacations, which are uniformly stipulated by national laws and regulations according to the customs and habits of various countries and ethnic groups or commemorative requirements or sightseeing.
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.
Business classification:
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 and trade financing. , 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.
Liabilities 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. 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.
Own funds:
The self-owned capital of a commercial bank refers to the capital of which it has ownership. It mainly includes share capital, provident fund and undistributed profit. Among them, the share capital is the share capital raised by issuing shares when the bank is established; Reserve capital, that is, provident fund, is mainly formed by after-tax profit commission to make up for operating losses; Undistributed profit refers to the part of operating profit that has not been withdrawn from the provident fund or handled according to the provisions of the financial system.