1. Commercial banks have the nature of enterprises: commercial banks must meet the minimum capital requirements stipulated by the administrative department for industry and commerce, pay taxes according to regulations, and operate independently, be responsible for their own profits and losses, and bear their own risks;

2. Commercial banks are financial enterprises: because the business objects of commercial banks are not ordinary commodities, but the fields of money and credit;

3. Commercial banks are special banks: commercial banks have a wide range of business, emphasizing profitability and liquidity, with profit as the purpose;

4. Legal nature: Commercial banks are established with special permission of the state and should be subject to the supervision of relevant departments.

The above is related to the nature of commercial banks.

Introduction to commercial banks

The business characteristics and objectives of commercial banks are different from those of central banks and policy financial institutions. Commercial banks take profitability as the overall goal, attach importance to profitability, safety and liquidity standards in the course of operation, and will not be subject to government administrative intervention.

Commercial banks are the product of capitalist mode of production and the initial form of capitalist commercial banks. The germination of capitalist production factors is produced with the development of economy, production technology and commodity economy. Some businessmen, together with the rich and bankers in big cities, have formed a new class-the bourgeoisie. Feudal bank loans have the characteristics of usury, and the average annual interest rate is 20%~30%, which seriously hinders the transformation of social idle capital into industrial capital. This article mainly writes the knowledge points related to the nature of commercial banks, and the content is for reference only.