What are the main businesses of commercial banks?

The business of banks can be divided into four categories: asset business, liability business, intermediary business and off-balance sheet business.

1. Debt business refers to the business that commercial banks raise funds and form the source of funds, which is the basis of asset business and other businesses of commercial banks. Mainly including deposit business.

2. Asset business refers to the business that commercial banks use funds to obtain income through various channels. Including cash business, loan business, investment business,

Three. Intermediary business: refers to the business that commercial banks do not directly undertake or form creditor's rights and debts, and do not use their own funds to handle entrusted matters such as payment for customers, but charge them handling fees. The intermediary business of commercial banks mainly includes settlement business, agency business, consulting business and custody business.

4. Off-balance-sheet business: business carried out by commercial banks that is not included in the balance sheet and does not affect the bank's total assets and liabilities. Including: guarantee, financial derivatives business (such as forward foreign exchange contracts, currency swaps, currency futures, currency options, interest rate swaps, interest rate options, stock indexes, futures and options, etc.). ).