Commercial bank intermediary business: Broadly speaking, commercial bank intermediary business "refers to business that does not constitute on-balance sheet assets or on-balance sheet liabilities of commercial banks and forms non-interest income for banks." Intermediary business in a narrow sense is a business in which commercial banks act as intermediaries. Corporate customers make entrustment requests to commercial banks and provide certain fees to commercial banks. The banks themselves do not bear any risks. According to Article 3 of the "Interim Provisions on Intermediary Business of Commercial Banks", intermediary business refers to business that does not constitute on-balance sheet assets or on-balance sheet liabilities of commercial banks and forms non-interest income for banks. According to this attribute, intermediary business can be divided into nine categories: (1) Payment and settlement intermediary business, including domestic and foreign settlement business; (2) Bank card business, including credit card and debit card business; (3) Agency intermediary business , including securities agency business, insurance agency business, financial institution agency agency, collection and payment agency, etc.; (4) Guarantee-type intermediary business, including bank acceptance bills, standby letters of credit, various bank guarantees, etc.; (5) Commitment-type intermediaries Business, mainly including loan commitment business; (6) Transaction-type intermediary business, such as forward foreign exchange contracts, financial futures, swaps and options, etc.; (7) Fund custody business, such as closed-end or open-end investment fund custody business; (7) Fund custody business, such as closed-end or open-end investment fund custody business; 8) Consulting business, such as information consulting, financial consulting, etc.; (9) Other intermediary businesses, such as safe deposit box business, etc.