From the history of the origin and development of commercial banks, the nature of the commercial banks can be summed up in the pursuit of profit, with operating financial assets and liabilities for the object, a comprehensive, multi-financial enterprises.
First, commercial banks is an enterprise , it has the basic characteristics of modern enterprises. And general industrial and commercial enterprises, commercial banks have own funds needed for business operations, also need independent accounting , self-financing , we should also seek to maximize profits as its business objectives. Get the maximum profit is the basic prerequisite for the emergence and development of commercial banks, as well as commercial banks internal dynamics. In this regard, commercial banks and business enterprises without distinction.
Second, commercial banks and general industrial and commercial enterprises have different, it is a special kind of enterprise.
Particularity of commercial banks mainly in:
Business Objects and content (1) commercial banks is unique. General industrial and commercial enterprises run a material goods and services, engaged in commodity production and circulation; while commercial banks are financial assets and liabilities for the business objects, run a special commodity - monetary and monetary capital, including money management and payment, lending and a variety of sports-related monetary or contact them financial services.
Effect (2) commercial banks and the entire Shekuaijingji affected by Shehuijingji special. Effect of commercial banks is much larger than the entire Shekuaijingji any business, while commercial banks also affect the entire Shehuijingji subject than any one specific enterprise more apparent.
(3) commercial bank a special responsibility. General industrial and commercial enterprises for profit only goal, is only responsible to shareholders and use your own products to customers; in addition to commercial banks responsible for shareholders and customers, but also must be responsible for the entire community.
Third, commercial banks are a special kind of financial enterprises. Commercial banks not only different countries Zhongyang yinxing , but also different specialized banks (designated specifically refers to Westernbusiness scope and provides specialized financial services of banks) and non-bank financial institutions .Zhongyangyinxing is the country's monetary authorities and the financial system at the core, with a higher independence, it does not handle specific customer credit business, not for profit. Specialized banks and a variety of non-bank financial institutions is limited to handling a specific aspect or several financial operations, business has obvious limitations. And the business of commercial banks with strong universality and comprehensiveness, both engaged in "retail" business, and management "wholesale business", its business tentacles extend to every corner of Shekuaijingji life, become a "financial department store" and "universal bank."