The basic function of the bank mainly has credit intermediary and payment intermediary. The credit broker is to concentrate on the social idle funds through the absorption deposit. At this time it is a debtor, and on the other hand it will collect in the loan. If the funding is a business and business company that requires funds. At this time, it is a creditor. It is an important fortee that acts as these two roles. Otherwise it must have enough credit, otherwise it is impossible to become a debtor, the bank acts as a fund is idle. The middleman of the fund shortage, becomes a social maximum debtor and creditor; paying the intermediary is also very understood, the customer has handed the currency settlement, currency inclusion, exchange, transfer, transfer, banks for customers in the bank One of these businesses is to save social circulation costs. The currency business related to banks can reduce the number of currency practical circulation, and can accelerate the turnover of social funds.
Banks are important in the national economy. On the one hand, it is the center of social capital. , Department and family, the most comprehensive economic information, so it is also the information center of socio-economic activities; Finally, because the bank has mastered the country's economic information, it is also an important way to implement macroeconomic regulation and control.
Banks can be divided into capital ownership
1. All countries: such as the four state-owned commercial banks (work, farming, medium, construction);
2. Share: Social, individual, national joint venture joint-stock bank, such as China Merchants Bank, Everbright Bank, Huaxia Bank and Minsheng Bank, etc .;
3. Personal: my country has not yet.
