The off-balance-sheet business of commercial banks is mainly divided into guarantee and commitment business, agency investment and financing service business, intermediary service business and other off-balance-sheet business.
The business of guarantee and commitment includes the business of guarantee and commitment that undertakes the repayment responsibility according to the agreement.
Agency investment and financing business refers to the off-balance-sheet business that commercial banks provide investment and financing services to customers according to their entrustment, but they do not undertake compensation responsibilities and promise investment returns, including but not limited to entrusted loans, entrusted investment, non-principal-guaranteed wealth management on behalf of customers, trading agent, agency issuance and underwriting of bonds, etc.
Other off-balance-sheet businesses refer to other off-balance-sheet businesses except guarantee commitment business, agency investment and financing service business and intermediary service business.
Bank's intermediary business and its relationship with off-balance-sheet business: they are not reflected in the balance sheet; Have the same income status; It is crossed in extension.
Intermediary business refers to the business that does not constitute on-balance-sheet assets and on-balance-sheet liabilities of commercial banks, but forms non-interest income of banks.
It mainly includes two types: intermediary business with contingent assets or liabilities (generally referring to financial services) and intermediary business without contingent assets or liabilities (generally referring to off-balance sheet business).
What are the intermediary businesses?
1, real estate agency business includes real estate information consulting, real estate brokerage, enterprise consulting, enterprise management consulting, real estate marketing, real estate agency business, commercial housing or private housing leasing and sales agency, second-hand housing leasing and sales agency.
2, real estate sales planning services, property management consulting services and information exchange.
legal ground
People's Republic of China (PRC) Civil Code
Article 962 The broker shall truthfully report to the client the matters related to the conclusion of the contract.
If the broker intentionally conceals important facts related to the conclusion of the contract or provides false information, which harms the interests of the client, he shall not ask for payment of remuneration and shall be liable for compensation.