1. Personal deposit business, including RMB and foreign currency deposits.

2. Personal loan business, including housing, consumption, personal employment and other loans.

3. Personal intermediary business, including fund business, national debt business, personal electronic remittance, agency payment business, payroll, personal deposit certificate, safe deposit box, etc.

4. Personal finance business.

5. Various self-service services, including telephone banking, online banking and mobile banking.

6. Bank card business, including the handling of savings cards, credit cards and wealth management cards.

7. Personal foreign exchange business.

Personal banking refers to the deposit, loan, payment and settlement services provided by commercial banks to individual customers. The personal business of banks gradually got rid of the situation of single variety and narrow service population, and began to become an indispensable part of many people's lives. Among them, the bank card business has been in a spurt growth stage, and the number of people buying wealth management products such as stock funds has also increased rapidly, and mortgage products have also got rid of the previous monotony.

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.

Central Bank: China People's Bank is the central bank of China. Responsibilities: Implement monetary policy, macro-control the national economy, supervise and manage financial institutions and even specialized financial institutions in the financial industry.

Policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China National Development Bank. Responsibilities: Financial institutions that participate in or guarantee shares, engage in policy financing activities directly or indirectly in specific business areas for non-profit purposes, and serve as tools for the government to develop the economy, promote social progress and conduct macroeconomic management.

Commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications. Responsibilities: Financial institutions that act as credit intermediaries through deposits, loans, remittances and savings. Commercial banks are one of the most important financial institutions, and their main business scope includes absorbing public deposits, issuing loans and discounting bills.