1 Intermediary business of payment and settlement refers to the charging business related to monetary payment and fund transfer caused by creditor's rights and debts, such as cheque settlement, import bill of lading, acceptance bills, etc.
2. Bank card business is a credit payment tool that authorized financial institutions to issue to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
3. Agency intermediary business refers to the business that commercial banks accept clients' entrustment, handle economic affairs designated by clients, provide financial services and charge a certain fee, including policy banking business, receipt and payment business, securities business, insurance agency business and bank card acquiring business.
4. Guarantee intermediary business refers to the business that commercial banks provide guarantees for customers' solvency and bear the risk of customers' default. Including bank acceptance bills, standby letters of credit, various guarantees, etc.
5. Commitment intermediary business refers to the business that commercial banks provide agreed credit to customers on a certain date in the future according to pre-agreed conditions, including revocable commitments such as loan commitments and overdraft limits, as well as irrevocable commitments such as standby credit lines, repurchase agreements and note issuance facilities.
6. Transactional intermediary business refers to the capital trading activities conducted by commercial banks with various financial instruments to meet the needs of customers' hedging or their own risk management, including financial derivatives such as futures and options.
7. Fund custody business refers to that qualified commercial banks accept the entrustment of fund management companies to safely keep all the assets of funds, handle fund settlement, fund transfer, accounting, fund valuation and supervise the investment operation of managers for custody funds.
8. Consulting business is a service activity that commercial banks rely on their own information and talent advantages, collect and sort out relevant information, and combine the characteristics of bank and customer capital flow to form a systematic plan for customers to meet their business management needs, mainly including financial consulting and cash management services.
9. Other intermediary businesses, including safe deposit box business and other businesses that cannot be classified into the above eight categories.