commercial banks may engage in some or all of the following business operations:第三条 商业银行可以经营下列部分或者全部业务:(1) taking in deposits from the general public;(一)吸收公众存款;(2) granting short?term, medium?term and long?term loans;(二)发放短期、中期和长期贷款;(3) handling domestic and foreign settlements;(三)办理国内外结算;(4) handling the acceptance and d**counting of negotiable instruments;(四)**承兑与贴现;(5) **suing financial bonds;(五)发行金融债券;(6) acting as an agent for the **sue, honoring and underwriting of ** bonds;(六)代理发行、代理兑付、承销**债券;(7) buying and selling ** bonds and financial bonds;(七)买卖**债券、金融债券;(8) engaging in interbank lending;(八)从事同业拆借;(9) buying and selling foreign exchange and acting as an agent for the purchase and sale of foreign exchange;(九)买卖、代理买卖外汇;(10) engaging in the business of bank cards;(十)从事**业务;(11) providing letter of credit services and guaranty;(十一)提供信用证服务及担保;(12) acting as an agent for the receipt and payment of money and acting as an insurance agent;(十二)代理收付款项及代理保险业务;(13) providing safe deposit box services; and(十三)提供保管箱服务;(14) other business operations as approved by the banking regulatory authority under the state council(十四)经**银行业监督管理机构批准的其他业务 20210311