商业银行例题（The commercial bank.）.doc

商业银行例题（The commercial bank.） 1. commercial banks from the point of view should be how to understand the function of its impact on the countrys economic and social life? Answer: as the most important financial intermediaries in the economy of a country commercial bank plays an irreplaceable role on the economic functions of commercial banks can illustrate this point. (1) the credit intermediary functions: first, to temporarily free from the process of reproduction of idle funds into the available funds, to expand production to change the usage of capital; secondly, the idle in the hands of residents money together, put into production and circulation departments, become the production of capital, capital goods or money capital. To promote the production and circulation, accelerate economic growth; finally, continued for the long short, short-term money capital into long-term capital, to meet the social need for long-term capital. (2) pay the intermediary function of commercial bank in its payment intermediary function in the process has two distinct roles: first, it can make the commercial banks continue to have a relatively stable source of cheap capital. Secondly, it can save the social cost of circulation, increase the production of capital investment. (3) the credit creation function of commercial banks by issuing loans, engaged in investment business, and derive more deposits, thereby expanding the social money supply, of course, the money is not money, but deposit money, it is a book on the circulation of tools and means of payment. (4) financial services functions by providing financial services, commercial banks can expand the social ties and market share, on the other hand also made a lot of fee income for banks, but also to speed up the dissemination of information, improve the use value of information technology, promote the development of information technology. (5) Regulation of economic functions: commercial banks in the central bank monetary policy und