Intermediary business covers a wide range, including settlement, agency, guarantee, trust, leasing, financing, information consultation, derivative financial instrument trading and so on. Therefore, there are different standards for the classification of intermediate business.
In a broad sense, the intermediary business of commercial banks refers to the business that does not constitute assets and liabilities on the balance sheet of commercial banks, but forms non-interest income of banks. Generalized intermediary business is equivalent to generalized off-balance sheet business, which can be divided into two categories, narrow financial service business and narrow off-balance sheet business. In our daily work, what we call intermediary business is an intermediary business in a broad sense according to the regulations of the People's Bank of China.
Extended data:
The characteristics of bank intermediary business are as follows:
1, greater freedom
Different from the traditional asset-liability business, intermediary business is strictly restricted by financial laws and regulations. In general, as long as both parties agree, an agreement can be reached. Intermediary business can be traded on or off the market. Most intermediate businesses do not need corresponding capital preparation, which leads to excessive expansion of entrusted and self-operated intermediate businesses of some commercial banks and brings certain potential risks to commercial banks.
2. Poor transparency
Most intermediary businesses are not reflected in the balance sheet, and many businesses cannot be truly reflected in the financial statements. It is difficult for external users of financial statements, such as shareholders, creditors and financial supervision authorities, to understand all the business scope of banks and evaluate their operating results, and the transparency of operations is reduced, which affects the correct and comprehensive judgment of the market on the potential risks of banks and is not conducive to the effective supervision of the supervision authorities.
3. Risk diversification
Cross-risks are scattered in various businesses of banks. Intermediary business involves many links, and the credit, capital, accounting, computer and other departments of the bank are all related to it, so it is difficult to prevent risks and clarify responsibilities.
4. High leverage
The so-called high leverage is "small profits but quick turnover". This mainly refers to the characteristics of financial futures and foreign exchange deposit transactions in financial derivative business. For example, a bond investor can buy several bond futures contracts worth $6.5438+0 million in the financial futures market as long as he takes out $6.5438+0 million. Because of high leverage, there is both the possibility of making big profits and the possibility of losing money in financial derivative business transactions.
Baidu Encyclopedia-Bank Intermediary Business
Baidu encyclopedia-bank