What are the main businesses of banks to the public?

1 "Credit business" will always be an important cornerstone for the development of corporate banking business. Although most commercial banks in China have put forward the goal of "transforming into retail banks" at present, there are sufficient reasons to believe that credit business will remain the main source of income and profits of all business lines of the company at least in the next 5- 10, and the basis for establishing corporate customer relationships and developing other companies' businesses, and will continue to be "1+N" for the company's online product sales.

2 "Trade financing" is a typical representative of services related to commodity flow. The bank's business begins with commodity circulation services-trade financing and settlement. Trade financing has long been a mature product in international advanced banks, but compared with most domestic banks, it is a hot product in the ascendant. Its main customers are small and medium-sized enterprises.

When operating trade financing products, we should break through some common misunderstandings existing in domestic counterparts. In the past, trade financing was only a bank financing business supported by L/C instruments, and the international business department was responsible for it. Usually, the main purpose is to investigate whether the credit and guarantee conditions of enterprises are sufficient. But now it has become a multi-level and multi-angle trade financing product portfolio, which is under the responsibility of specialized trade financing departments, relying on the enterprise supply chain, making full use of various credit appreciation tools such as bank credit, commercial credit and property rights, which are not only applicable to commercial enterprises, but also to production enterprises. Moreover, many banks are weakening enterprise financial analysis and access control, emphasizing effective control of logistics and capital flow. In addition, the traditional trade financing is entrusted to the third party for supervision, and the enterprise stores the goods in the designated third-party warehouse (which increases the loading and unloading and transportation costs of the enterprise), and the collateral must be stored at the location of the enterprise; At present, advanced banks generally entrust national third-party logistics companies, send specialists into enterprises to supervise collateral, and at the same time allow goods to be pledged in different places.