The People's Bank of China is my country's central bank. It was established by the government and is directly under the State Council. It is responsible for controlling the country's money supply and credit conditions, and supervising the financial system, especially commercial banks and other savings institutions. The nature of the People's Bank of China can be summarized as follows: (1) The issuing bank plays an important role in regulating the money supply and stabilizing the currency value by issuing RMB. (2) A bank of banks, which centrally keeps banks' reserves and makes loans to them, acting as a "lender of last resort." (3) The government's bank is the formulator and executor of national monetary policy, and is also a tool for the government to intervene in the economy; it also provides financial services to the country, acts as an agent for the national treasury, issues government bonds as an agent, and raises funds for the government; and represents the government in international affairs. Financial organizations and various international financial activities.

The fundamental difference between the business of the central bank and that of other financial institutions is that the business of the central bank is not for profit, but to serve the country's macroeconomic goals. This is determined by the central bank. Determined by the status and nature of the bank. The main businesses of the central bank include: currency issuance, centralized deposit reserves, loans, rediscounts, securities, gold and foreign exchange accounts, fund transfer clearing and fund transfer services for commercial banks and other financial institutions, etc.