Such as through the principal-agent type of business between the expansion of deposits, and enhance financial strength, such as commercial banks. At present, commercial banks operating on the West showing a significant feature of the business integration and development trends. Join the WTO, an increasing number of foreign-related economic activity, there is an urgent need for our country as the commercial banks in Western countries as commercial banks, in order to provide a full range of multi-client financial services. For the time being, the operation mode of our country's financial industry conditions are not yet ripe, but that does not mean do not have the conditions for the operation mode, the operation mode is the direction of development of the financial industry. Between a number of business, after the pilot, and actively create the conditions, even if the separate operation in the current circumstances, is completely necessary and possible. Such as international settlement of letters of credit, guarantees, and so on forward foreign exchange trade. After the commercial introduction of the Banking Act's "interim business between commercial banks that" clearly defined, after the central bank's approval, can start-up financial derivatives business, securities business agent and trustee investment funds, information, financial advisers and other investment banking business. This can be seen as the management in the banking sub-sector operations, the separation of the management system of a bold attempt. This profit growth is looking for commercial banks is a good opportunity, to seize the opportunity, between bold innovation and development business. According to the definitions of the middle, we can see that the majority of lower transaction costs between business, non-use or less use of bank funds, greatly reduced the bank's operating costs. Between operations are not included within the balance sheet, such activities do not have to extract the risk reserve, but also reduces the cost of management.
Lot of business between financial products, with a transfer, thereby enhancing the liquidity of bank assets. Such as commercial banks have recourse through the transfer of loans to poor mobility of the loan after the sale of securities, the availability of new sources of funding. Another example is to issue standby letters of credit and other arrangements to facilitate the note issuance, or bank credit and credit evaluation of the ability to meet customer demand for loans and so on. In short, innovation and development between the banking business, can save costs and increase revenue, and enhance the liquidity of assets, the banks and the economic efficiency would be greatly enhanced.