Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

The central bank, China People's Bank, is the central bank of China.

State-owned policy banks include The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank.

State-owned commercial banks include China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.

Investment banks include Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG and Societe Generale.

The World Bank is used to help countries overcome poverty, and various institutions play a unique role in the mission of alleviating poverty and improving living standards.

The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

A bank is an enterprise dealing in money, and its existence is conducive to raising and financing social funds. It is a very important member of financial institutions. It can be seen that the bank's business, on the one hand, concentrates idle monetary funds and small monetary savings in society by absorbing deposits, and then lends them to people who need to replenish money in the form of loans. Banks act as intermediaries between lenders and borrowers. On the other hand, banks handle the payment and settlement of money for commodity producers and businessmen and act as payment intermediaries.

legal ground

People's Republic of China (PRC) Commercial Bank Law

Article 52 The staff of a commercial bank shall abide by laws, administrative regulations and other business management provisions, and shall not commit any of the following acts:

(a) taking advantage of his position to ask for or accept bribes, or accepting kickbacks or service fees in various names in violation of state regulations;

(2) Taking advantage of his position to embezzle, misappropriate or occupy the funds of the Bank or its clients;

(three) in violation of the provisions of favoritism to provide loans or guarantees to relatives and friends;

(4) Working part-time in other economic organizations;

(five) other acts in violation of laws, administrative regulations and business management regulations.