(1) Commercial Banks Commercial banks are the most important deposit financial institutions with the widest business and the strongest capital scale in the financial field. Commercial banks are both demanders and providers of funds, and participate in almost all activities in the financial market. In addition, commercial banks can also create and contract money through derivative deposits, which has a great impact on the supply and demand of funds in the entire financial market.
(2) Savings institutions Savings institutions in western countries specialize in absorbing savings deposits, and most of their funds are used for issuing real estate mortgages and investing in national debt or other securities. Compared with commercial banks, most of the funds used by savings institutions are used for investment, and their asset business has a long term and a high proportion of mortgage loans. The loan targets are mainly their depositors.
(3) Credit Cooperatives A credit cooperative is an organization in which working people or residents unite to engage in credit business. Its source of funds is mainly the deposits of members, but also from non-members Its funds are mainly used to provide short-term loans, consumer credit, bill discount and securities investment to members.