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