What is the position of commercial banks in the development of national economy?

Commercial banks are very important to the country. They are participants in the market economy and an important medium for currency circulation, so the country will also consider commercial banks when making economic decisions. The state clearly stipulates that non-bank financial institutions are not allowed to absorb public deposits in any way, and funds will inevitably precipitate in the process of developing mobile payment services. Therefore, commercial banks are favored by national policies when developing mobile payment services.

According to the Guidelines on Financial Innovation of Commercial Banks issued by the China Banking Regulatory Commission, it can be seen that the government will actively create an institutional and legal environment for financial innovation of commercial banks, track and evaluate it, and establish the relationship between the supervision and the supervised departments in a more open and cooperative way.

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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. ?

Baidu encyclopedia-commercial bank