Main businesses: liability business, asset business, and intermediary business.

1. Liability business

Mainly composed of self-owned capital, deposits and borrowings, of which deposits and borrowings are external funds absorbed. In addition, deposits from joint banks, inter-bank deposits, borrowings or loans Loans or bonds issued, etc., also constitute liabilities of the bank.

Liabilities are debts that a bank assumes due to credit and will be repaid with assets or capital and can be measured in currency. Deposits and derivative deposits are the bank's main liabilities, accounting for more than 80% of its funding sources. In addition, interbank deposits, interbank deposits, borrowed or placed funds, or bond issuances also constitute the bank's liabilities.

2. Asset business

Refers to the business of commercial banks using funds, that is, the activities in which commercial banks lend or invest the funds they absorb to earn profits. The profitability of commercial banks and their success depends largely on the results of capital utilization. The asset business of commercial banks generally consists of the following, among which loans and investments are the most important.

3. Intermediary business

Banks do not need to use their own funds. Relying on their advantages in business, technology, institutions, reputation and talents, they act as intermediaries to handle collections, payments and other matters on behalf of customers. Entrusted matters, the business of providing various financial services and collecting handling fees accordingly.

Banks do not need to occupy their own funds to operate intermediary business. They are generated on the basis of the bank's asset-liability credit business and can promote the development and expansion of the bank's credit business.

Extended information

The China Development Bank is a policy bank directly under the leadership of the State Council. In December 2008, it was restructured into China Development Bank Co., Ltd. In March 2015, the State Council clarified that CDB was positioned as a development financial institution. ?

CDB has a registered capital of 421.248 billion yuan. Its shareholders are the Ministry of Finance of the People’s Republic of China, Central Huijin Investment Co., Ltd., Wutongshu Investment Platform Co., Ltd. and the National Council for Social Security Fund. The share ratios are 36.54%, 34.68%, 27.19%, and 1.59% respectively. ?

CDB mainly serves the national economy’s major mid- and long-term development strategies by carrying out financial services such as medium- and long-term credit and investment. As of the end of 2015, the asset size was RMB 12.3 trillion, and the non-performing loan ratio was less than 1% for 43 consecutive quarters, maintaining first-class market performance. Professional rating agencies such as Moody's and Standard & Poor's have rated China Development Bank consistent with China's sovereign rating for many years in a row. ?

CDB is the world’s largest development financial institution and China’s largest foreign investment and financing cooperation bank, medium- and long-term credit bank and bond bank. In 2015, it ranked 87th among the Fortune 500 companies in the United States.

CDB has 37 first-level branches and 3 second-level branches in mainland China. It also has a branch in Hong Kong and 6 representatives in Cairo, Moscow, Rio de Janeiro, Caracas, London and Vientiane overseas. at. The bank has nearly 9,000 employees. It owns subsidiaries such as CDB Financial, CDB Securities, CDB Leasing and China-Africa Fund.

Baidu Encyclopedia-China Development Bank

Baidu Encyclopedia-Bank