The profit methods of banks can be roughly divided into two categories, one is interest spread income, and the other is non-interest spread income. The so-called interest spread income refers to the difference between loan interest income and deposit interest payment. This profit method accounts for a large proportion in our country's banking industry, and it is the most important profit method in our country.

In layman's terms, it means that the bank first attracts a large number of customers to make deposits at the bank's branches, and provides corresponding interest to the customers when they make deposits. Then the customer's money deposited in the bank is used as his capital, and is lent to other people at a higher interest rate, through which the purpose of making money is achieved. To put it bluntly, banks earn the difference between deposit interest and loan interest.

How banks make profits:

1. Interest rate difference, this is relatively easy to understand, and we do not use the professional term "deposit and loan interest rate difference" to express it. Judging from the daily life of ordinary people, the one-year regular interest rate for lump sum deposits is about 2, which varies from bank to bank, but the bank lends to borrowers for one year, which is about 5. The difference of about 3 is one of the ways for banks to make profits.

2. Intermediary business income is profitable. The so-called intermediary business refers to the business charges for work transactions, services, etc. that occur between us and the bank. For example, many of us have experienced fees such as small account charges, annual account fees, inter-bank inquiry transfers, etc. This type of income generally includes handling fees, settlement fees, and consulting fees charged by banks.

3. Income from the credit card business. Although there are now various types of credit cards, it has to be said that the popularity of credit cards is getting higher and higher. First, the income from the card issuance business includes: first-year annual fee, card production fee (re-issuance of cards), fast card issuance fees, other card issuance income; secondly, revolving credit business!