What is the bank's income collection business?

"Intermediate income" is the intermediate business income of banks.

1, meaning: Intermediate income is one of the bank's income and belongs to non-interest income business. Intermediary business refers to the business that commercial banks handle payment and other entrusted agency matters for customers and provide various financial services. When handling this kind of business, banks are neither debtors nor creditors, but in the position of entrusted agents, acting as intermediaries to carry out various business activities.

2. Nature: The intermediary business of banks has the nature of service, which not only meets the economic and social demand for financial services of commercial banks, but also attracts more customers and increases operating profits for commercial banks. Bank income is one of the non-interest income businesses of bank income. As far as transactions are concerned, there is a high degree of freedom. As long as both parties agree, a mutually beneficial agreement can be reached.

3. Business: Intermediate business mainly includes settlement business, trust business, leasing business, agency financing business, consulting business, bank card business, remittance, acceptance, letter of credit, computer services, etc.

The role of intermediary business in commercial banks

1. The intermediary business of commercial banks does not directly constitute the assets or liabilities on the bank's balance sheet, and the risk is relatively small, which provides tools and means for the risk management of commercial banks. It also provides a low-cost and stable source of income for commercial banks. Improve the service function of commercial banks.

2. Intermediate business of commercial banks in a broad sense refers to the business that does not constitute assets and liabilities on the balance sheet of commercial banks, but forms non-interest income of banks. On the basis of asset business and liability business, commercial banks make use of the advantages of technology, information, institutional network, capital and reputation, and act as intermediaries and agents to handle entrusted matters such as payment, consultation, agency, guarantee and lease for customers, provide various financial services and charge a certain fee.

3. The intermediary business income of foreign commercial banks accounts for more than 50% of the total banking business, and banks mainly embody services, so as to reduce the dependence of bank profits on capital and solve the contradiction between bank development and the demand for simultaneous capital growth; The profit of China commercial banks mainly depends on the deposit and loan spreads, which leads to the dependence on capital. If banks want to develop, they need to refinance to increase their capital, which makes the development of banks difficult.

4. Therefore, it is of great significance for commercial banks to develop intermediary business, which is related to their own development prospects and the fundamental problem of international integration.