2. Intermediary business refers to the business that commercial banks handle payment and other entrusted agency matters for customers and provide various financial services. When handling this kind of business, banks are neither debtors nor creditors, but in the position of entrusted agents, acting as intermediaries to carry out various business activities.

3. The intermediary business of banks has the nature of service, which not only meets the economic and social demand for financial services of commercial banks, but also attracts more customers and increases operating profits for commercial banks. Intermediary business mainly includes settlement business, trust business, leasing business, agency financing business, consulting business, bank card business, remittance, acceptance, letter of credit and computer services.

4. From the perspective of income composition, there is a big gap between China Commercial Bank and its foreign counterparts. At present, the non-interest income of commercial banks in China accounts for only 1 1%, and the intermediary business accounts for only about 6%, while the non-interest income of foreign banks generally accounts for more than 30%, and some even reach 70-80%.

Extended data:

Payment and settlement business refers to the charging business related to monetary payment and fund transfer that commercial banks handle for customers due to the relationship between creditor's rights and debts.

(1) settlement tool. The main settlement tools for settlement business include bank draft, commercial draft, cashier's check and cheque.

1. A bank draft is a bill issued by the issuing bank and unconditionally paid to the payee or holder according to the actual settlement amount at sight.

2. A commercial bill is a bill issued by the drawer and entrusted by the payer to unconditionally pay a certain amount to the payee or holder on a specified date. Commercial bills are divided into bank acceptance bills and commercial acceptance bills.

3. A cashier's check is a bill issued by a bank that promises to pay a certain amount unconditionally to the payee or holder at sight.

4. The cheque is issued by the drawer, and the bank entrusted to handle the cheque deposit business unconditionally pays a certain amount of bills to the payee or holder when seeing the cheque.

(2) Settlement methods, mainly including settlement methods in the same city and settlement methods in different places.

1. Remittance business is the settlement business in which the payer entrusts the bank to remit the money to the foreign payee. Remittance settlement is divided into three forms: telegraphic transfer, letter transfer and draft.

2. Collection business refers to a settlement method in which creditors or sellers draw a bill to foreign debtors or buyers in order to collect money, and entrust banks to collect money on their behalf.

3. Letter of credit business is a written guarantee document issued by the bank to the beneficiary according to the requirements and instructions of the applicant, which contains a certain amount and pays at the designated place within a certain period of time with the specified documents.

(3) Other payment and settlement services, including fund transfer and liquidation through modern payment systems, and transfer through internal and external networks of banks.

Baidu Encyclopedia-Intermediate Business