(1) Payment and settlement intermediary business. Refers to the charging business related to monetary payment and fund transfer handled by commercial banks for customers due to the relationship between creditor's rights and debts, including domestic and overseas settlement business, mainly including remittance business, collection business, letter of credit business and fund settlement business.
(2) Bank card business. Bank card is a credit payment tool issued by authorized financial institutions (mainly commercial banks) to the society with all or part of the functions of consumer credit, transfer settlement, cash deposit and withdrawal, etc.
(3) Agency intermediary business. Refers to the business that commercial banks accept the entrustment of customers, handle the economic affairs designated by customers, provide financial services and charge a certain fee, mainly including payment and receipt business, agency financing business, securities agency business, insurance agency business and agency financial agency business.
(4) Guarantee intermediary business. Refers to the business that commercial banks provide guarantees for customers' solvency and bear customers' default risk. It mainly includes bank acceptance bills, standby letters of credit and various guarantees.
(5) Commitment to intermediary business. Commitment intermediary business refers to the business that commercial banks provide agreed credit to customers on a certain date in the future according to the pre-agreed conditions, mainly referring to loan commitments, including revocable commitments and irrevocable commitments.
(6) Transaction intermediary business. Intermediary business refers to the capital trading activities carried out by commercial banks with various financial instruments to meet the needs of customers' value preservation or their own risk management, mainly including financial derivative business.
(7) Fund custody business. Fund custody business means that a commercial bank with custody qualification accepts the entrustment of a fund management company, keeps all the assets of the fund safely, and handles fund settlement, fund transfer, accounting, fund valuation, supervision and management of the investment operation and other businesses for the custody fund.
(8) Consulting business. Consulting business refers to the service activities that commercial banks rely on their own advantages in information, talents and reputation to collect and sort out relevant information, and through the recording and analysis of these information and the capital movement of banks and customers, form systematic information and programs and provide them to customers to meet their business management or development needs.
(9) Safe deposit box business. Safe deposit box business refers to the service project that the bank accepts the entrustment of customers and rents safe deposit boxes to keep valuables, securities and documents on behalf of customers in accordance with the business articles and agreed conditions.