Commercial banks in the modern economic activities credit intermediary , to pay an intermediary , financial services, credit creation and economic regulation and other functions , and these functions play an important role in the national economic activities. Operational activities of commercial banks for society as a whole the money supply has an important influence, and become the implementation of national macroeconomic policies important foundation.
1) credit intermediation
Credit intermediary refers to commercial banks to act as a unit of economic activity in the deficit surplus units linked intermediaries. Credit intermediary is the most basic functions of commercial banks, which plays in the national economy in a multi-level regulation: the idle money into capital; make full use of idle capital; the short-term funds into long-term funds.
2) pay an intermediary
Pay an intermediary refers to commercial banks by means of a check that credit circulation tool, customer demand deposits to customers for the transfer of funds accounts currencies , monetary payment, currency exchange and transfer of deposits and other business activities. Commercial banks play to pay an intermediary function has two main functions: saving distribution costs ; reduce the bank's funding costs , expand the sources of funds of banks.
3) credit creation
Credit creation refers to commercial banks through the absorption of demand deposits , loans, thereby increasing the funding of banks, expansion of social money supply . Commercial banks play the role of credit creation function mainly through the creation of deposit money and so circulation tools and means of payment , can be saved in cash used to reduce the social costs of circulation, but also to meet Shehuijingji development of Liutongshouduan and means of payment required.
4) Financial Services
Financial services refers to the use of commercial banks in the national economy wide contact surface, informed, and other special status and benefits, using its play credit intermediary wealth of information and payment intermediation process obtained by means of computer and other advanced methods and tools , to provide financial advisory services , financing agency, trust leasing , collection and payment and other financial services. By financial services, commercial banks not only improves the utilization value of information and information technology, to strengthen the banking and social ties, expanding the bank's market share ; but also get a lot of fee income, improving the profitability of banks.
5) regulate the economy
Commercial banks under the influence of national macroeconomic policies, through credit policy implementation, interest rate, credit and capital investment scale of adjustment to achieve adjustment of economic structure, investment and consumption ratio, Chanyejiegou purposes, for national economic stability play an important role.