The issuing bank is the abbreviation of the issuing fund vault. The issuance fund refers to the RMB printed and distributed in place but not yet put into circulation. Central bank vaults can also be generally divided into business vaults and distribution vaults. However, at present, in the vaults of domestic central banks, except for some key vaults of the head office that keep issuing funds, gold reserves and foreign exchange reserves, other sub-vaults, central sub-vaults and sub-vaults all have the functions of issuing vaults and business vaults. The central bank's business library mainly refers to the provision for handling cash on hand, and there is generally no simple central bank business library in China. The issuing bank mainly has the functions of keeping the issuing funds (notes that have not yet been circulated), gold and silver objects, and articles designated for safekeeping (such as commemorative coins allocated in advance before the issuing date, counterfeit coins collected, etc.). ), handle the deposit and withdrawal business of commercial banks, allocate and issue funds, and manage the quality of cash deposited by relevant units.

Generally speaking, the issuing bank of the central bank is responsible for storing the unissued RMB and the place where the RMB will be destroyed after issuance. This is the basic function of the most common issuing bank in China People's Bank, which is to release money. Since then, the issuing bank also has the function of regulating the quality of cash circulating in the market. There are some special distribution warehouses to store real money, silver, gold and foreign exchange reserves. From the perspective of creditor's rights, there are only two kinds of creditors who issue stocks and put money. Generally speaking, one is all citizens of the country and the other is a bank.

The business warehouse of a commercial bank is a part of cash circulation. It is mainly used to handle the daily cash business of banks and mainly store some cash liabilities of commercial banks, which means that creditors are deposit customers of banks.

To sum up, the difference between the central bank issuing bank and the commercial bank issuing bank is mainly reflected in the function.