1. Liabilities include financial bonds, large negotiable certificates of deposit, demand deposits, time deposits and credit card deposits.

2. Asset business includes credit card financing or overdraft, consumer credit (including housing loans, auto loans, durable consumer goods loans, etc. ).

3. Intermediary business includes personal leasing, personal safe deposit box, personal bill collection, personal remittance settlement, personal trust, agency payment, personal foreign exchange trading and foreign exchange business, personal consultation and wealth management business. The financial products of commercial banks can also be regarded as a kind of retail industry. The new retail of banking financial business includes digital and intelligent technology application, as well as the re-layout of two outlets: large-scale comprehensive experience flagship store and small and micro convenience intelligent service point.