What is the difference between the deposit business of the central bank and that of commercial banks?

The difference between central bank deposit business and commercial bank deposit business;

1. The purpose of deposit business is different.

The central bank is a management function, not for profit. The deposit business of commercial banks aims at profit and is the core business.

2. The main contents of deposit business are different.

The deposits of the central bank mainly come from two aspects: one is the deposits of financial institutions such as commercial banks, and the other is the deposits of the government and the public sector. Commercial bank deposits can be divided into demand deposits and time deposits according to different maturities. According to different depositors, it can be divided into unit deposits and individual deposits. Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks.

Extended data:

Other differences between central banks and commercial banks:

1. The main function of the central bank is to formulate and implement monetary policies and lead, manage and supervise the activities of financial institutions. It is a "bank that manages financial activities" and has other functions. The functions of commercial banks are mainly economic adjustment, credit creation, credit intermediary and payment intermediary.

2, the central bank is not for profit; Commercial banks aim at making profits. The main source of funds for commercial banks is deposits, and they can also apply for loans from the People's Bank of China, that is, the People's Bank of China provides funds to commercial banks through loans.