Since ancient times, communities survive through activities that produce food and basic needs. When certain products are lacking, people have sought out other communities to obtain these products. Oftentimes, these trading/business activities are done in specific locations such as a marketplace or the main street in a town. Over time, this location becomes known as a meeting place for barter and business activities.
As time passes by, permanent structures would be built in these locations. Aside from the basic trading, business establishments such as food and refreshments, delivery services could be set up.
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Eventually, many other services to cater to the needs of travelers and business people would also rise up. Perhaps, even housing will follow. This is the precursor of what is now known as a "central business district".
Today, the CBD in essence represents the major financial image of a city. This is where most businesses would locate their offices and where banks would set up their main headquarters if not their biggest branches. It is likely a center for transportation and communication as well.
Since people would travel to and from the place, modern thoroughfares with complete transportation facilities are likely to be found here too. State-of-the-art communication centers would need to be present for faster and easier access to the world.
Shopping malls are likely to be located in the area to cater to the needs of businessmen and employees alike. The best and most popular restaurants would make their presence known as well. After all, everyone needs to eat to get through a busy day.