什么是Commercial Bank？中国的Commercial Bank和外国的Commercial Bank在服务和功能上有什么区别吗？

The functions are the same and China’s commercial banks are a financial intermediary accepts deposits, makes business loans, and offers related services. Commercial banks also allow for a variety of deposit accounts, such as checking, savings, and time deposit. These institutions are run to make a profit. While commercial banks offer services to individuals, they are primarily concerned with receiving deposits and lending to businesses.

In the western country, banks will provide services such as deposit, withdraw, long-term and short-term loans, mortgage, etc.