As these services are delivered to consumers directly by commercial banks and other financial institutions, people are likely to neglect supporting services provided by the central bank. Many people may only have limited knowledge of the services provided by a central bank.
Talking about a central bank, people may link it with macro adjustment policy, like adjusting interest rate and exchange rate, but actually only less than half of the staff in the People’s Bank of China involve in macro economic adjustment works, while the others are involved in financial services.