The businesses that commercial banks can operate include absorbing people's savings, issuing short-term, medium-term and long-term loans, settling accounts around the world, accepting and remitting documents, issuing financial bonds, issuing them as agents, paying them as agents, underwriting treasury bonds, buying and selling treasury bonds, financial bonds, inter-bank lending, acting as agents for foreign exchange trading, bank card business, providing letter of credit services and loan guarantees, acting as agents for payment, insurance agency business and other businesses approved by the CBRC. The above are the business-related contents that commercial banks can handle.

Brief introduction of commercial banks

Commercial banks are a kind of banks. Commercial banks have no right to issue money, and their traditional business mainly focuses on deposits and loans. The definition of commercial banks was originally used because these banks only undertook short-term commercial loans in the early stage of development. The loan term is generally within one year, and the loan target is generally merchants and import and export trading companies. People call this kind of bank whose basic business is to absorb short-term savings and issue short-term commercial loans a commercial bank. This paper is mainly about the knowledge points of the business that commercial banks can handle, and the content is for reference only.