At present, my country has formed a multi-level intermediary system of financial institutions, with the central bank as the leading and state-owned commercial banks as the main body, including joint-stock commercial banks, urban commercial banks, rural commercial banks, multinational banks, and rural credit cooperatives. Banking institution system; owns a diversified investment intermediary system mainly consisting of securities companies, futures companies and securities investment funds, supplemented by various investment consulting intermediaries and trust institutions; owns life insurance companies, property insurance companies, insurance companies and providing An insurance intermediary system for various insurance services.
business of commercial bank
Liabilities business
Liability business is the business activity of commercial banks to organize the source of funds, and it is the starting point and foundation of commercial banks' asset business and other business operations.
own assets
Mainly including share capital, reserve funds and undistributed profits
external funds
deposit liabilities
The most important business is the main source of commercial bank operating funds
Borrowing liabilities
It mainly includes loans from the central bank, interbank loans, repurchase agreements and foreign market loans, etc.
asset business
Asset business refers to the business of using funds by commercial banks
The asset business of commercial banks mainly includes cash assets, loan business, bill discounting, investment business, etc.
Off-balance sheet business
Off-balance sheet business refers to the business engaged in by commercial banks, which is not included in the balance sheet according to the current accounting standards and does not form actual assets and liabilities, but can cause changes in current profit and loss.
The off-balance sheet business of commercial banks is mainly divided into guarantee commitments, agency investment and financing services, intermediary services, and others.
The business of securities companies
The main businesses of securities companies include securities brokerage business, securities investment consulting business, financial consulting business related to securities trading and securities investment activities, securities underwriting and sponsorship business, securities proprietary business, securities asset management business, margin financing and securities lending business, securities Company intermediary introduction business, private equity investment fund business and alternative investment business, etc.
business of insurance company
Business of property insurance company
Basic business
Motor vehicle insurance, including compulsory motor vehicle traffic accident liability insurance and motor vehicle commercial insurance
Business/household property insurance and engineering insurance (except special risk insurance)
Liability Insurance
Ship/Cargo Insurance
Short term health/accident insurance
Extended business
agricultural insurance
special risk insurance
Aerospace insurance, marine development insurance, oil and gas insurance, nuclear insurance
credit guarantee insurance
Investment insurance
The business of life insurance companies
Basic business
General insurance, including life insurance and annuity insurance
Health insurance
accident insurance
Participating insurance
universal insurance
Extended business
investment-linked insurance
change annuity
Summarize:
business of commercial bank
Liability business (source of funds)
Own funds: share capital, reserve funds and undistributed profits
Deposit business (most important)
Borrowing business: borrowing from the central bank, interbank loans, repurchase agreements and foreign market loans
Asset business (fund use)
Off-balance sheet business
Table: Balance Sheet
On-Sheet: Business Reflected on the Balance Sheet
The business of securities companies
business of insurance company
Business of property insurance company
The business of life insurance companies