What is the difference between intermediary business and off-balance-sheet business of commercial banks?

First of all, the concept is different.

1. Intermediary business: the general name of the business that commercial banks collect fees for customers to handle entrusted matters such as payment.

2. Off-balance-sheet business: refers to the business activities of commercial banks that are not included in the balance sheet, but can affect the bank's current profits and losses.

Second, different forms of funds.

1. Intermediary business: Banks operate intermediary business without occupying their own funds, which can promote the development and expansion of bank credit business based on the bank's asset-liability credit business. The proportion of intermediary business in bank income is increasing year by year.

2. Off-balance-sheet business: the business activities of commercial banks that are not included in the balance sheet according to the current accounting standards and do not affect their total assets and liabilities, but can affect the bank's current profits and losses and change the bank's return on assets.

Third, the risks are different.

1. Intermediate business: Intermediate business is more traditional and less risky.

2. Off-balance-sheet business: Off-balance-sheet business is more innovative and risky.

Baidu encyclopedia-off-balance-sheet business

Baidu Encyclopedia-Intermediate Business