The functions of commercial banks are determined by their nature, and there are four basic functions \x0d\( 1) credit intermediary. \x0d\ Credit intermediary is the most basic function of commercial banks, which can best reflect the characteristics of their business activities. The essence of this function is to concentrate all kinds of idle money in the society in the bank through the debt business of the bank, and then invest it in various economic sectors through the asset business; As the intermediary or representative of both borrowers and lenders of monetary funds, commercial banks realize the financing and obtain interest income from the difference between the cost of absorbing funds and the interest income of loans and investment income, thus forming bank profits. Commercial banks have become "big businessmen" buying and selling "capital goods". Commercial banks realize financing between capital surplus and deficiency through the function of credit intermediary, without changing the ownership of monetary capital, but only the right to use it. \x0d\(2) Payment intermediary function. \x0d\ Commercial banks not only act as credit intermediaries and finance monetary funds, but also perform monetary management functions. Through the transfer of deposits in the account, you can pay on behalf of customers, pay cash for customers on the basis of deposits, and become the currency keeper, cashier and payment agent of industrial and commercial enterprises, groups and individuals. Taking commercial banks as the center, a payment chain and the relationship between creditor's rights and debts with no beginning and no end are formed in the economic process. \x0d\(3) Credit creation function. \x0d\ Commercial banks have created credit creation function on the basis of credit intermediary function and payment intermediary function. Commercial banks are banks that can absorb all kinds of deposits and issue loans with all kinds of deposits absorbed. On the basis of cheque circulation and transfer settlement, loans are converted into \x0d\ deposits, which increase the sources of funds for commercial banks without withdrawing cash or withdrawing cash completely, and finally form derivative deposits several times as many as the original deposits in the whole banking system. For a long time, commercial banks are the only financial institutions that can absorb demand deposits and start them. In order to create and shrink demand deposits through their own credit activities, and demand deposits are the main part of the loan market supply; Fen and Yin Mei: Commercial banks can circulate liabilities as money, which has the function of creating a 1 credit warehouse. \x0d\(4) Financial service function. \x0d\ With the development of economy, the business environment of industrial and commercial enterprises is becoming more and more complicated, and the business competition between banks is becoming more and more fierce. Because of extensive contacts and well-informed information, especially the wide application of computers in banking business, banks have the conditions to provide information services, consulting services, decision support services for enterprises and so on. The development of specialized production and circulation in industrial and commercial enterprises requires that many of the original ones belong to the enterprises themselves. Personal consumption has also developed from simple money and goods transactions to transfer settlement. Modern social life puts forward many requirements for financial services of commercial banks. Under the strong impetus of business competition, commercial banks are also constantly exploring service areas, further promoting the expansion of asset-liability business by developing financial business, and combining asset-liability business with financial services to open up new business areas. In modern economic life, financial services have become an important function of commercial banks.