The financial services of commercial banks are generally divided into two categories: corporate financial services and personal financial services. For corporate financial services for enterprises, according to the scope of approval and licensing of the CBIRC, the business operation of each bank is different. According to the type of business, the general products and business scope of the company's financial services are as follows.
1) Deposit business. Corporate deposits can be divided into RMB deposits and foreign currency deposits according to their currencies. According to the withdrawal method, it can be divided into demand deposit, time deposit, call deposit, agreement deposit, agreement deposit, etc.
2) Loan business. Loans are the most important business varieties of banks, and they are also the most important asset business of commercial banks
According to the target market of loans, it is divided into corporate credit, personal credit, real estate credit, etc.
According to the liquidity of loans, they are divided into working capital loans, fixed asset construction loans, etc.
3) Settlement business. Including international and domestic settlement and payment, bills of exchange, acceptance bills, electronic exchange and business.
4) Intermediate business. That is, according to the accounting standards of commercial banks, it is not included in the balance sheet, which does not affect its total assets and liabilities, but can affect the current profit and loss and change the bank's return on assets. According to the regulations of the People's Bank of China, there are eight types of fee-based intermediary business:
Bank card business includes credit payment instruments issued to the public with all or part of the functions such as consumer credit, transfer and settlement, and cash deposit and withdrawal.
* Intermediary business, that is, the business of commercial banks accepting the entrustment of customers, handling economic affairs designated by customers, providing financial services and charging certain fees, such as **policy banking business, collection and payment business, **business, **insurance business, **bank card acquiring business, **RMB foreign exchange transaction and foreign exchange settlement and sale, etc.
Quasi-intermediary business, including the business of providing guarantee for the customer's debt repayment ability and bearing the customer's default risk, including bank acceptance bills, standby letters of credit, various types of guarantees, etc. 4. Commitment intermediary business, that is, the business of commercial banks to provide credit support to customers in accordance with the pre-agreed date and conditions, including revocable commitments such as loan commitments and overdraft lines, as well as irrevocable commitments such as standby letters of credit, repurchase agreements, and bill issuance facilities.
Transactional intermediary business, that is, in order to meet the needs of customers for value preservation or their own risk management, commercial banks use various financial instruments to conduct capital trading business, including various financial derivatives such as ** and options.
* Custody business, that is, a commercial bank with custody qualification accepts the entrustment of the first management company, entrusts the custody of all the assets, handles the fund clearing, fund allocation, accounting, and valuation for the trustee, and supervises the investment operation of the supervisor.
Consulting business, that is, commercial banks rely on their own advantages in information and professionalism to collect and sort out relevant information, combined with the characteristics of the bank and customer capital movement, to form a systematic plan to provide customers with services to meet their business management needs, mainly including financial advisory and cash management and other businesses.
other intermediary services; This includes the provision of business services, safe deposit box services, etc.