There is no bank deposit license.

A financial license, that is, a financial institution operating license, is a formal document that approves financial institutions to conduct business. At present, financial licenses are issued by the People's Bank of China, China Banking Regulatory Commission, China Securities Regulatory Commission and China Insurance Regulatory Commission. Financial supervision is divided into ex-ante supervision, in-progress supervision, and ex-post supervision according to time periods. The market access system is the core of ex-ante supervision, and financial licenses are the normal manifestation of the market access system.

Sixteen types of financial licenses are as follows: banking (including private), insurance, trust, futures, securities, funds (public/private placement, subsidiaries, sales, sales payment), leasing (financial leasing, financial leasing) ), pawns, small loans, guarantees, commercial factoring, third-party payment, crowdfunding (public offering, private placement), consumer finance, credit reporting (personal credit reporting, corporate credit reporting), and financial asset trading venues.

The financial licenses that require approval in the traditional financial industry mainly include banks, insurance, trusts, securities dealers, funds, futures, financial leasing, fund subsidiaries, fund sales, third-party payment licenses, small loans, and pawns12 kind.

The seven most important and valuable financial licenses are banking, trust, securities, funds, insurance, futures and leasing.