商业银行的特点和职能（Characteristics and functions of commercial banks）.doc

商业银行的特点和职能（Characteristics and functions of commercial banks） Characteristics and functions of commercial banks? The characteristics of commercial banks are as follows: (1) commercial banks, like general industrial and commercial enterprises, are profitable enterprises. (2) commercial banks are different from ordinary industrial and commercial enterprises. Its particularity is embodied in the differences of management objects. Industrial and commercial enterprises operate commodities that have certain value in use, engage in the production and circulation of commodities, while commercial banks take financial assets and financial liabilities as the management objects and operate special commodities... I. monetary and monetary capital. The business includes monetary receipts, borrowings, and various financial services linked to or related to the movements of the currency. From the process of social reproduction, the operation of commercial banks is the condition of business operation. Compared with the general industrial and commercial enterprises, commercial banks become a special enterprise - financial enterprises. (3) commercial banks are different from professional banks. The business of commercial banks is more comprehensive, more comprehensive functions, operating all the financial retail business (retail services) and wholesale business, (large credit business) to provide all the financial services to customers. The specialized banks only focus on the business within the specified scope and provide special services. With the relaxation of financial control in western countries, the scope of business of professional banks is expanding, but compared with commercial banks, the gap is still far from that of commercial banks. Commercial banks have advantages in business operation. Functions of commercial banks The function of commercial bank is decided by its nature. There are mainly four basic functions: (1) credit intermediary function. Credit intermediary is the