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The concept of Bank, or the whole of banks and bankers, is used to refer to entities helping to facilitate the financing.
Commercial says of what belongs or what is relative to the trade or to traders. This adjective is also used in reference to what is easily accepted in a given market.
The concept of commercial bank concerns banks that act as universal operators and who can offer all services and all operations passive (loan) and active (borrowing) that are permitted by law. Commercial Bank (also called Bank of deposit) is a type of Bank, as the investment bank or the mortgage bank.
The main function of the commercial bank is to intervene (being the intermediary) between the supply and demand of financial resources. These banks can receive savings of individuals and companies (in deposits, term deposits, etc.) and grant loans and credits. Receipt of resources (deposits) is a passive operation while lending money is considered a transaction active.
The commercial bank operates in each country-specific laws and standards of each Central Bank. Often, these commercial banks provide other services, namely: change parts money and tickets, rent of safes and the collection of taxes.
The distinction between commercial bank and Investment Bank occurred following the Great Depression, when the U.S. Congress has required banks to expand only traditional banking activities, thus reserving the capital market activities to investment banks.