Banks mainly cover four types of asset businesses, namely loans, bills, securities investment and other asset businesses. Among these four businesses, the loan business is the most important business for banks to obtain profits to support development; the bill business includes bank acceptance, commercial bill discount and rediscount business; the securities investment business mainly It is the bank's business of buying and selling securities in the market; other asset businesses are mainly cash assets.

Commercial bank asset business

The meaning of commercial bank asset business: it means that commercial banks put funds into the market for operation while ensuring the safety of bank assets, so as to increase bank income and Financial liquidity and other aspects of business.

The main contents of the asset business of commercial banks:

1. Loan business: Bank loan business means that the bank provides a certain amount of funds to the borrower, and the borrower uses the funds for a fee during the borrowing period. , a business that requires the principal to be returned to the bank and interest paid when the repayment period expires. This is the most important business in bank asset business and the main business for banks to obtain profits to support development. It is also called credit business. It mainly includes two major categories of business, corporate credit and personal credit business;

2. Bill business: There are three main categories of bank bill business, namely bank acceptance bill, commercial bill discount and rediscount business. A bank acceptance bill means that the bank unconditionally issues the determined amount on the bill to the holder on the date specified on the bill. Commercial bill discounting means that the bank obtains the bill from the holder and issues the remaining amount to the holder according to the bill amount and date after deducting the corresponding interest. Transfer discount business means that the bank has obtained discounted bills, but the bills have not expired. The bank transfers this bill business to other banks and obtains certain funds from it;

3. Securities investment business: Bank securities investment refers to Commercial banks invest their own funds in the financial market to purchase bonds, stocks and other securities, thereby increasing the flow of funds and the profitability of bank assets. According to China's regulations, Chinese commercial banks can only invest in bonds issued by banks;

4. Other asset business: Bank's other asset business mainly refers to cash asset business, including inventory funds, statutory reserves, Excess reserves, deposits with banks and outstanding collections.