In a broad sense, the intermediary business of commercial banks "refers to the business that does not constitute on-balance-sheet assets and liabilities of commercial banks, but forms non-interest income of banks";

On the basis of asset business and liability business, commercial banks make use of the advantages of technology, information, institutional network, capital and reputation, and act as intermediaries and agents to handle payment, consultation, agency, guarantee, leasing and other entrusted matters for customers, provide various financial services and charge a certain fee;

In two traditional businesses, asset business and liability business, banks participate as a party to credit activities;

Intermediate business is different. Banks no longer directly act as a party to credit activities, but only play the role of intermediary or agent, and usually implement paid services.