Yes Off-balance-sheet business is the business activities of commercial banks that are not included in the balance sheet but can affect the current profits and losses of banks. It can be divided into commitment business, guarantee business, principal-agent business, financial instrument business generated by banks and consulting service business, and fund custody is a risk-free off-balance sheet business. Principal-agent business refers to the business that commercial banks provide financial services such as agency, distribution and wealth management on behalf of customers by taking advantage of their own resources, including fund custody.