1. Customers are mainly individual customers.
2. The transaction is scattered.
3. The transaction amount is small.
4. Features presented:
(1) The cost of retail banks is higher than that of wholesale banks.
(2) The liquidity of retail bank customers is stronger than that of wholesale banks.
(3) The loan risk of retail banks is extremely low, and the business content and scope are quite extensive, involving the debt business, asset business and intermediary business (off-balance-sheet business) of commercial banks. From the perspective of debt business, there are mainly: personal checking accounts-demand deposits, time deposits, savings deposits, credit card deposits, financial bonds, and large negotiable certificates of deposit; From the perspective of asset business, there are mainly: consumer credit (including auto loans, housing loans, durable consumer goods loans, etc. ), credit card financing or overdraft, etc. From the point of view of intermediary business (more), it mainly includes: personal remittance settlement, personal trust, personal lease, personal safe deposit box, personal bill collection, agency payment, personal consulting and wealth management business, personal foreign exchange trading and foreign exchange business, etc.