(1) Payment and settlement intermediary business, including domestic and overseas settlement business;

(2) Bank card business, including credit card and debit card business;

(3) Acting as an intermediary business, including securities business, insurance agency business, entrustment by financial institutions, collection and payment on behalf of others.

(4) Guarantee intermediary business, including bank acceptance bills, standby letters of credit, various bank guarantees, etc. ;

(5) Commitment intermediary business, mainly including loan commitment business;

(6) Intermediary transactions, such as forward foreign exchange contracts, financial futures, swaps and options;

(seven) fund custody business, such as closed or open investment fund custody business;

(eight) information consulting, financial consulting and other consulting services; ?

(9) Other categories.

Extended data

legal nature

Franchise system

Commercial banks are chartered by the state, and the banking license is issued by the State Council Banking Regulatory Authority. The franchise approval process is mainly as follows: first, the applicant submits an application, and then the CBRC will review it.

Formal examination should find out whether all kinds of application documents and materials are complete and conform to the legal provisions; The substantive examination shall find out whether the applicant meets all the conditions for operating commercial banking business. After passing the examination, the applicant will submit the formal application form and other documents and materials prescribed by law to the China Banking Regulatory Commission for special examination and approval, and issue a business license.

It is worth mentioning that the right to examine and approve the franchise belongs to the state, and meeting all the conditions for establishing a commercial bank does not mean that it will definitely obtain a business license.

Refer to Baidu Encyclopedia-Commercial Bank