For a long time, commercial banks mainly engaged in traditional financial business, and other financial business was run by non-bank financial institutions. However, since the 1970s, this traditional business model has been gradually broken, especially the business of western commercial banks has gradually developed from specialization to diversification and integration. In addition to short-term loans, commercial banks also operate other businesses. It can be said that the business of commercial banks has gradually diversified and integrated, and almost all financial businesses can be operated.
2. The trend of securitization of commercial banks.
The so-called securitization of creditor's rights assets means that commercial banks pay more attention to expanding the source of funds through the innovation of financial assets and the increase of debt-based capital.
3. The trend of electronic management of commercial banks.
The wide application of computer technology in commercial banks has greatly promoted the automation, integration and comprehensive service of banking business, broken the traditional concept and operation mode in the past, improved and upgraded the macro-management level of senior bank personnel, thus greatly enhancing the competitiveness of banks.
4. The internationalization trend of commercial banking.
With the development of economic globalization, the degree of internationalization of banking business is deepening, and the deregulation of banking industry in various countries has led to increasingly fierce global competition in banking business, which has prompted large banking groups to occupy more and more shares in the world bank service market and accelerated the internationalization of banking business.
Commercial Bank, abbreviated as CB in English, is a kind of bank, which is a financial institution engaged in credit intermediary business through deposits, loans, remittances and savings. The main business scope is to absorb public deposits, issue loans and discount bills. General commercial banks have no right to issue money, while traditional commercial banks mainly focus on deposits and loans.
From August 20 14 1 day, individual customer account management fees, annual fees and pension withdrawal fees are conditionally exempted, and some charging standards are reduced. The highest handling fee for personal inter-bank counter transfer and remittance is capped in 50 yuan, and the handling fee for public inter-bank counter transfer and remittance is capped in 200 yuan.
Refer to Baidu Encyclopedia-Commercial Bank