The main sources of funding for commercial banks are:?
1. Equity. It is the capital invested by the shareholders when the commercial bank was founded, this is not a large proportion;?
2, liabilities to customers, that is, individuals and enterprises deposited funds in the bank, which is the main source of commercial bank funds;
3, interbank lending. Interbank lending is the borrowing from other financial institutions by commercial banks to cope with short-term shortage of funds for a very short period of time, accounting for a very small percentage.
Despite the fact that commercial banks in various countries have different organizational forms, names, operational contents and focuses, they are generally divided into liability business, asset business and off-balance-sheet business in terms of the main business they operate. With the development of the internationalization of the banking industry, these domestic businesses can also be extended into international businesses.
Extended Information:
Deposits of all types:
Types of deposits:1, demand deposits
Mainly refers to deposits that can be accessed and transferred by depositors at any time, it does not have the exact period of time specified, and the bank does not have the right to require the customer to make a withdrawal of prior written notice. Depositors holding demand deposit accounts can withdraw their deposits in a variety of ways, such as writing checks, cashier's checks, money orders, transferring funds by telephone, using automated teller machines, or a variety of other means and other means.
2. Time deposits
are deposits for which the customer and the bank agree on a deposit term in advance. The term of deposit usually ranges from 3 months, 6 months and 1 year, with the longest term up to 5 or 10 years. Interest rates vary according to the length of the term, but they are all higher than demand deposits. Certificates of deposit for time deposits can be used as collateral to obtain bank loans.
3, savings deposits
Mainly refers to the individual in order to accumulate money and obtain a certain amount of interest income and open deposits. Savings deposits can also be divided into demand deposits and time deposits. Savings deposits have two characteristics: first, most savings deposits are deposits made by individuals in order to accumulate purchasing power. The second is that the financial regulatory authorities have strict regulations on commercial banks operating savings business.
4, short-term borrowing
It refers to debt with a maturity of less than one year, including interbank borrowing, borrowing from the central bank and short-term borrowing from other sources. Interbank borrowing, refers to the short-term financing between financial institutions, mainly used to support the daily liquidity, it is a commercial bank to solve the short-term balance, transfer the legal reserve position and the important channel of financing.
5, long-term borrowing
is the repayment period of more than one year of borrowing. Long-term borrowing of commercial banks mainly take the form of issuing financial bonds. Financial bonds can be divided into capital bonds, general financial bonds and international financial bonds.
Baidu Encyclopedia-Commercial Banks