General commercial banks do not have the right to issue currency, but Hong Kong is still a few note-issuing banks, commercial banks, the traditional commercial banking business is concentrated in the business deposits and lending ( lending ) operations, which borrow at lower interest rate deposits, a higher interest rate loans released, memory is the main profit spread between commercial bank loans.
In recent years, due to the highly developed capital markets, individuals and businesses to invest, financing channels have greatly increased, the traditional deposit and loan business has been seriously affected. Higher credit rating companies tend to issue directly in the capital market instruments to raise funds, idle funds for individuals or businesses may also invest in the capital market to obtain a higher return. Given the shrinking deposit and loan business, most commercial banks began to vigorously develop the non-spread business, such as credit cards , private wealth management , financial advisers , financial product sales agents as well as investment banking and the like.
Although the development of the capital market so that commercial banks increasingly marginalized, but for most small businesses and lack of investment expertise of individuals, commercial banks are still an important source of financing and investment. Debit cards, credit cards and other certificates of deposit issued by commercial banks, individuals maintain daily liquidity important sources.
The main business object
Commercial banks mainly business objects for the enterprise.
Balance sheet of commercial banks [ edit ]
Main article: Balance Sheet
Assets [ edit ]
Cash and due from banks
Central banks
Placements with banks
Departure deposit money funds
Precious Metals
Financial assets at fair value through profit or loss
Derivative financial assets
Net loans and advances to customers
Stock investment
- Securities available for sale
- Held-to-maturity securities
- Loans and receivables
Investments in subsidiaries
Investment in associates and joint ventures
Fixed assets
Investment Property
Deferred tax assets
Other assets
Liabilities [ edit ]
Interbank deposit
To central banks
Currency debt issuance
Issue certificates of deposit and interbank borrowing
Financial liabilities at fair value through profit or loss
Derivative financial liabilities
Customer deposits
To issue bonds
Other borrowed funds
Payable
Retirement benefit liabilities
Deferred tax liabilities
Other liabilities
Shareholders' equity [ edit ]
Bank shareholders entitlements
Capital stock
Capital reserve
Surplus reserve
General reserve and statutory reserve
undistributed profit
Changes in fair value of securities available for sale reserve
Currency translation differences
Treasury shares