The classification of intermediary business of commercial banks is based on the functions and forms of intermediary business of commercial banks. The intermediary business of commercial banks can be divided into the following seven categories: 1. Settlement intermediary business refers to the charging business related to currency receipt and payment and fund transfer caused by the relationship between creditor's rights and debts. It mainly includes remittance, collection, letter of credit business, bank card business and fund settlement business. The second is the agency intermediary business, which refers to the business that commercial banks accept the entrustment of customers and provide various agency services to customers by using their own management advantages. This is the most diverse intermediary business of commercial banks, which mainly includes issuing, paying and buying bonds, collecting taxes and fines, collecting electricity, water and telephone charges, paying wages, settling securities funds and paying group funds. Three. Guarantee intermediary business refers to the business that commercial banks provide guarantees for customers' solvency and bear customers' default risk. There are mainly various guarantees, import letters of credit, standby letters of credit, acceptance and so on. This kind of business often appears in the form of commercial bank credit business. Four, financing intermediary business, refers to the commercial banks to provide customers with financing services other than traditional credit and related business. Mainly leasing, trust investment, export bills, etc. 5. Intermediary business refers to the business that commercial banks use various financial instruments to trade funds. There are various financial derivatives, such as foreign exchange forward trading, foreign exchange futures, foreign exchange options and foreign exchange swaps. Spot foreign exchange trading and settlement and sale of foreign exchange also belong to the intermediary business of commercial banks. 6. Intermediary business of investment banks is increasingly becoming an important part of intermediary business of commercial banks. It mainly includes credit investigation, credit rating evaluation, project budget and final accounts, asset evaluation, investment fund custody business, financial consultant, financing consultant, enterprise merger and acquisition investment consultation, project financing, assisting enterprises to go public, bond underwriting, asset securitization, etc. Seven, other intermediary business, in addition to the intermediary business, including safe deposit box rental, computer services, etc. According to the identity of commercial banks in handling intermediary business, their intermediary business can be divided into agency business, entrusted business and self-operated business. Agency business refers to all kinds of charging services such as agency payment, agency insurance, agency payment and agency sales of government bonds, which are carried out in the name of customers after banks accept the entrustment of customers. In this kind of business, banks only participate as agents and handle business in the name of customers, so they bear less risks. Entrusted business refers to all kinds of intermediary business that banks carry out in their own name after accepting the entrustment of customers. For example, import and export settlement business, entrustment business in trust business, etc. In the entrusted intermediary business, because the clients are different and operate in their own names, banks have to bear certain risks, and their business operations directly borrow the reputation of banks. Proprietary business refers to all kinds of intermediary business that banks actively participate in, such as guarantee intermediary business, proprietary foreign exchange trading business, investigation witness business, consulting and evaluation business, etc. In these businesses, banks, as one of them, need to take more risks. Grid research counseling provides guidance on the entrance examination for financial graduate students, college enrollment brochures, online registration, online Q&A, teacher allocation, curriculum, charging standards, professional catalogue and so on. Postgraduate degree in finance, the latest financial postgraduate policies and regulations in colleges and universities, helps students correctly apply for the ideal postgraduate major in colleges and universities. China Renmin University, university of international business and economics, Graduate School of China Academy of Sciences, Shanghai University of Finance and Economics, East China University of Science and Technology, Beijing Technology and Business University and other popular universities for in-service postgraduate enrollment in finance.

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