Classification of banking business

Banking business refers to the business handled by a bank . According to business complexity and dependence on outlets , Banking business can be divided into traditional business and complex business . According to the composition of its balance sheet , Banking business is mainly divided into three categories ： Debt business 、 Asset business 、 Intermediate business .

1、 Debt business

Liability business is the business that commercial banks form the source of funds , It is an important foundation for intermediary business and assets of commercial banks . The liability business of commercial banks mainly consists of deposit business 、 Loan business 、 Interbank business, etc . Liabilities are debts that can be measured in currency that the bank will pay with assets or capital due to trust . deposit 、 Derivative deposits are the main liabilities of banks , Accounting for about of the source of funds 80% above , In addition, inter-bank deposits 、 Interbank deposits 、 Borrow or borrow money or issue bonds , It also constitutes the liabilities of the bank .

2、 Asset business

Asset business is the business that commercial banks use funds , Including loan business 、 Securities investment business 、 Cash asset business .

3、 Intermediate business

Intermediate business refers to the assets on the balance sheet of commercial banks 、 On balance sheet liabilities form the bank's non interest income business , Including trading business 、 Clearing business 、 Payment and settlement business 、 Bank card business 、 Agency business 、 Hosting business 、 Guarantee business 、 Committed business 、 Financial management business 、 E-banking .