Division of functions based commercial bank
Division of functions based commercial bank , also known as a separate type of commercial banks , mainly in the country in the implementation of separate management system. Its basic features are: banking and securities law, trust business separation, commercial banks may not concurrently securities and trust services, not directly involved in the investment business enterprises
Versatile commercial bank
Versatile commercial bank , also known as comprehensive commercial banks. Its essential feature is that the law allows commercial banks mixed , which can operate all financial services, there is no division of functions is limited. This type of commercial banks, not only can operate business deposits, short-term Diyafangkuan, discount , for transfer and settlement, foreign exchange, cash registers and other traditional services, but may relate to a variety of financial business areas, such as trusts, leasing , sale of valuable Valet securities, collection of receivables , Valet keeping possession, advising, cash management , automated services, so called "financial department store" or " financial Chaojishichang ."