It mainly includes lending business and investment business. For example, bill discount belongs to the asset business of banks. Asset business: cash, deposits, loans, bill discount, investment business, (national debt, corporate bonds, etc. ). Treasury business is not only the most important channel for the use of funds except loans, but also an important source of funds for banks. After the bank obtains funds by taking deposits, issuing bonds and absorbing shareholders' investment, the rest is used for investment transactions to obtain investment income, except for issuing loans to obtain loan interest.

Bank asset business refers to the behavior that banks use the absorbed funds to engage in various credit activities to obtain profits. At present, the scope of corporate bonds in China is specific, not corporate bonds in a broad sense, that is, it does not include corporate bonds and financial bonds. Corporate bonds in China refer to bonds issued by limited liability companies and joint-stock companies. Corporate bonds refer to bonds issued by unlisted companies with legal personality in China. Financial bonds refer to bonds issued by China's policy banks, commercial banks, enterprise groups, finance companies and other financial institutions.

According to different business types, fund business can be divided into:

1. Short-term fund business: central bank bills, short-term government bonds, short-term financing bills, repurchase/reverse repurchase, interbank lending and money market funds.

2. Foreign exchange business: spot foreign exchange transactions and forward foreign exchange transactions. Foreign exchange transactions include not only transactions between various foreign currencies, but also the exchange between local currency and foreign currency. Foreign exchange trading can not only meet the needs of enterprises for trade settlement and sale, but also provide investment or speculative trading activities for market participants. Spot foreign exchange transactions, also known as spot foreign exchange transactions or spot foreign exchange transactions, refer to foreign exchange transactions that are delivered in real currency on the second business day or trading day. Forward foreign exchange transactions, also known as forward foreign exchange transactions, refer to foreign exchange transactions in which the currency, amount, exchange rate and delivery time are agreed by both parties. Not immediately after the transaction. The trading conditions are advanced and the actual delivery will be made at maturity. Foreign exchange pricing methods: direct pricing method and indirect pricing method.

3. Derivatives business

Financial derivatives include futures, interest rate swaps, currency swaps and options.