Ordinary deposits of residents have decreased, most of which are financial management, and there is also great pressure on the lending part. In addition to mortgages, corporate loans, state-owned loans decreased, and private enterprises were few. Moreover, small enterprises have long relied on shadow banking loans, so the loan side is under great pressure.

Commercial Bank, abbreviated as CB in English, is a kind of bank, whose duty is to act as a credit intermediary for financial institutions through deposits, loans, remittances and savings.

The main business scope is to absorb public deposits, issue loans and discount bills. General commercial banks do not have the right to issue money, and the traditional business of commercial banks is mainly deposits and loans.

From August 20 14 1 day, individual customer account management fees, annual fees and pension withdrawal fees are conditionally exempted, and some charging standards are reduced. The highest handling fee for personal inter-bank counter transfer and remittance is capped in 50 yuan, and the handling fee for public inter-bank counter transfer and remittance is capped in 200 yuan.

Supplementary content:

Judging from the development of commercial banks, there are two business models of commercial banks. One is the British model. Commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending period and high liquidity.

That is, borrowing deposits at a lower interest rate and lending them at a higher interest rate. The deposit-loan spread is the main profit of commercial banks. This business model is relatively safe and reliable for banks. The other one is from Germany, and its business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business.