Overview of banking industry

Paul Vientiane in the financial industry , But the bottom line is this The financial industry is mainly divided into five categories , They are banking 、 trust 、 negotiable securities 、 Insurance and funds .

The Chinese banking system is governed by the central bank 、 Regulatory body 、 Self regulatory organizations and banking financial institutions .

One 、 The central bank 、 Regulatory and self regulatory organizations

The central bank is the people's Bank of China , It is a bank that implements supervision , It is also a bank that issues various monetary policies .

The regulator refers to the China Banking Regulatory Commission （ Referred to as the CBRC ）, Mainly set up the Prudential Regulation Bureau 、 The on-site supervision bureau and the banking inclusive work department .

The self regulatory organization of China's banking industry is the China Banking Association , The current competent authority is the China Banking Regulatory Commission .

Two 、 Overview of banking financial institutions

at present , Has completed the restructuring and opened 12 The foreign legal person banks are ：

HSBC Bank 、 Standard Chartered Bank 、 Bank of East Asia 、 Citibank 、 Hang Seng Bank 、 Overseas Chinese Bank of Singapore 、 Mitsubishi Tokyo UFJ Bank of Japan 、 Singapore DBS Bank 、 ABN AMRO 、 Wing Hang Bank 、 Mizuho Industrial Bank of Japan 、 JPMorgan Chase Bank .

3、 ... and 、 Banking business

After having a macro understanding of the banking industry , The following will introduce the specific businesses of major commercial banks .

1、 The liability business of commercial banks

The liability business of commercial banks is for commercial banks to raise funds , Business to form a source of funds . The liabilities of commercial banks are mainly divided into savings deposits 、 Corporate deposits 、 Interbank deposits 、 Interbank lending 、 Borrow from the central bank 、 Financial bonds 、 Repurchase agreements, etc , among Deposit is the core business in the liability business of commercial banks .

2、 Asset business of commercial banks

The asset business of commercial banks refers to the business of using funds by commercial banks , It is also an activity for businesses to lend or invest the funds they absorb to earn income . Loans and investments are the main asset business projects of commercial banks . The interest margin between deposits and loans is one of the most important profit sources of commercial banks .

3、 Intermediary business of commercial banks

The intermediary business of commercial banks refers to the business engaged by banks that is not reflected in the balance sheet , Intermediary business is generally divided into payment and settlement intermediary business 、 Bank card business 、 Agency intermediary business 、 Guarantee intermediary business 、 Fund custody business 、 Consulting business etc. .