The banking business of the bank refers to the service and cooperation targets with customers (including banking, securities, insurance, trust financial leasing, asset management companies, financial leasing, and funds) as the financial industry. A new business of banks has risen and flourished in recent years. Specifically include: proxy of the same industry funds, peer storage, bond investment, interbank borrowing, foreign exchange trading, derivative product transactions, valet capital transactions and interbank assets trading, repurchase and repurchase of bills, and reposting and discounting. In recent years, some joint -stock commercial banks have developed rapidly, and the proportion and contributions of the business volume, income, and profits of interbank business have increased significantly in various businesses in commercial banks. Detailed explanation of type 01 The interbank borrowing business refers to financial institutions that enter the national bank inter -bank borrowing market through the approval of the People's Bank of China. Behavior. In the past, the credit borrowing market was divided into inside and outside. The off -site market, that is, the agreed transaction elements of the two parties and signed a contract, completed the liquidation through offline deposits, and then reported to the relevant departments of the People's Bank of China. The on -site transaction is completed through the unified national borrowing network of the country, automatically generated a lending contract, and the transaction is completed without additional reporting. Since the off -site transaction has certain operating risks in the content of the contract and the liquidation process, it has basically stopped now. At present, we think that off -site lending generally refers to the interbank loan business.
2
The borrowing of interbank refers to the borrowing and borrowing business of interbank funds provided by the current laws and regulations of the business. The related funds related to the interbank loan are for accounting and the accounting account for the funding accounting subjects. The biggest difference between interbank loans and peers is out -of -the -market transactions, lending to non -bank institutions. Because of the interbank borrowing of the same industry, it belongs to overseas transactions, and the two parties have signed contracts privately. Relatively speaking, a lot of "personalized" content. In recent years Financial companies and consumer finance companies are generally 6 months to 1 year, or even three or five years.
3
The interbank deposit business refers to the deposit and deposit business of interbank funds developed between financial institutions. Essence The deposit business of the same industry is divided into settlement, business relations and uses into settlement of interbank deposits and non -settlement industry deposits. Medical deposit form is a deposit -based financial institution issued a regular deposit certificate issued by the national bank market. After issuance, it can enter the secondary market to circulate. An important pilot tool for turning.
The interbank deposit business is developed in one -to -one deposit, while the same deposit list is developed in one pair of vouchers, which is a more standardized product. In addition, there are several points such as business period, pricing method, business platform, and business development method in interbank deposits. The specifics are as follows:
① To carry out interbank deposit business, you can just recognize each other between the opponents, and the issuance of interbank deposits needs to be recorded at the central bank. Before the issuance of the same industry deposit, the institution needs to record the amount of the issuance of the year of the year and determine the amount and period of the issuance of each interbank deposit in each period within the quota, but the amount of issuance of the single period must not be less than 50 million yuan.
② peer deposit period is flexible than the peer deposit. The period of the same industry deposit can be jointly agreed by both parties. Generally, it is 7 days, 14 days, 1 month, 2 months, 3 months, 6 months, 1 year, and according to the agreement, it is usually available in advance. The issuance period of interbank deposits is more standardized, which can be 1 month, 3 months, 6 months, 9 months, 1 year, 2 years, and 3 years.
③ The quotation of the same industry deposits is guided by the price and market conditions of the big bank. The price of the interbank deposit is based on the interest rate of the same period of Shibor, and the price of the market for the deposit is priced. If the term of the interbank deposit is not more than one year, it is issued at a fixed interest rate and the period is more than 1 year. The interest rate is based on the shibor as the basis for floating interest rates.
④ peer deposits are offline business, and there is no unified trading platform and comprehensive information release channels. The issuance of interbank deposits is more open and transparent. It is electronic issued through the distribution system of the National Banking Interbank Borrowing Center. The announcement and issuance information before the issuance will be disclosed on the foreign exchange trading center website.
4
Medical payment refers to the entrustment of the commercial bank (trustee) to accept the financial institution (commissioner) to pay to the corporate customers. The funding for the principal and interest of the payment item is. The entrusted payment items of the trustees are for accounting for the account accounting subjects, and the entrusted parties will pay related funds on the loan accounting account for accounting. 5
buying and returning (selling repurchase) refers to the two financial institutions to buy (sell) financial assets in accordance with the agreement, and then at the agreed price to expire at the agreed price expire The funding for the return (repurchase) of the financial assets on the day is. Buy a selling (selling repurchase) related funds for accounting for financial asset accounting subjects for the purchase and repurchase of money. Similar transactions between the three or more transactions shall not be included in the management and accounting of the buying and repurchase business. 6
Limbout investment refers to financial assets (including but not limited to financial bonds, sub -bonds, etc. on the bank market or stock exchange Ordinary financial assets of market transactions) or specific destination carriers (including but not limited to commercial bank wealth management products, trust investment plans, securities investment funds, securities company asset management plans, fund management companies and subsidiaries asset management plans, insurance industry asset management institutions, insurance industry asset management institutions Investment behavior of asset management products). 7
The discount refers to the entry of the bank acceptance bill to obtain the funds to obtain a certain interest to transfer the bill right to the bank to the bank. A way of integrating funds. Among them, the discount is divided into bank acceptance bills and commercial acceptance bills. 8
This referring to the discounted but not expired bills when commercial banks are temporarily insufficient in funding, and handed them to other commercial banks or discount institutions for discounts to obtain financial communication. The reposting is divided into bill buying and billing repurchase. 9
The again refers to providing business banks with financing support to commercial banks by buying commercial banks held by the central bank through buying commercial banks.
The banking business refers to the various businesses that use the financial interbank customers as services and cooperation targets, and interbank finance as the core. It is a new business that commercial banks have emerged and flourished in recent years. The specifically includes: proxy of interbank funds, interbank storage, bond investment, interbank borrowing, foreign exchange trading, derivative product transactions, valet funds transactions and interbank asset buying, repurchase and repurchase, bill reposting and discounting. In recent years, some joint -stock commercial banks have developed rapidly, and the proportion and contributions of the business volume, income, and profits of interbank business have increased significantly in various businesses in commercial banks.
The interbank business is divided into peer storage and storage of peers, representing liabilities and asset businesses, respectively. Simple understanding is that the mutual deposit funds between financial institutions earn a poor interest rate.
The asset business includes the storage of the same industry, the demolition of the same industry, the buying and return of credit assets, and the transfer of the bills. The interest to other banks by depositing funds The trust income rights to buy the anti -sale business to invest in funds to invest in the funds in the anti -sale business to invest in the funds to invest in the funds to invest in the funds to invest in the funds to invest in the funds. The real economy. Can get loan interest income. The bills mainly use the regulatory loopholes of the Agricultural Credit Society to escape the scale, mainly discounting, reposting, direct stickers, etc. However, within the bank, the bill business is slowly separated from the interbank business. The wealth management products invested in banks.
The banking business refers to the various businesses that use the financial interbank customers as services and cooperation targets, and interbank finance as the core. It is a new business that commercial banks have emerged and flourished in recent years. n00:00 / 00: 5770% shortcut keys to describe space: Play / suspend ESC: exit full screen ↑: increase volume 10% ↓: reduced volume decrease by 10% →: single fast forward 5 seconds ←: single fast retreat 5 seconds Press hold up and hold it up. Here you can drag no longer appear in the player settings to reopen the small window shortcut key description
The banking business of the bank refers to the service and cooperation targets with customers (including banking, securities, insurance, trust financial leasing, asset management companies, financial leasing, and funds) as the financial industry. A new business of banks has risen and flourished in recent years. Specifically include: proxy of the same industry funds, peer storage, bond investment, interbank borrowing, foreign exchange trading, derivative product transactions, valet capital transactions and interbank assets trading, repurchase and repurchase of bills, and reposting and discounting. In recent years, some joint -stock commercial banks have developed rapidly, and the proportion and contributions of the business volume, income, and profits of interbank business have increased significantly in various businesses in commercial banks.
Detailed explanation of type
01
The interbank borrowing business refers to financial institutions that enter the national bank inter -bank borrowing market through the approval of the People's Bank of China. Behavior.
In the past, the credit borrowing market was divided into inside and outside. The off -site market, that is, the agreed transaction elements of the two parties and signed a contract, completed the liquidation through offline deposits, and then reported to the relevant departments of the People's Bank of China. The on -site transaction is completed through the unified national borrowing network of the country, automatically generated a lending contract, and the transaction is completed without additional reporting. Since the off -site transaction has certain operating risks in the content of the contract and the liquidation process, it has basically stopped now. At present, we think that off -site lending generally refers to the interbank loan business.
2
The borrowing of interbank refers to the borrowing and borrowing business of interbank funds provided by the current laws and regulations of the business. The related funds related to the interbank loan are for accounting and the accounting account for the funding accounting subjects.
The biggest difference between interbank loans and peers is out -of -the -market transactions, lending to non -bank institutions. Because of the interbank borrowing of the same industry, it belongs to overseas transactions, and the two parties have signed contracts privately. Relatively speaking, a lot of "personalized" content. In recent years Financial companies and consumer finance companies are generally 6 months to 1 year, or even three or five years.
3
The interbank deposit business refers to the deposit and deposit business of interbank funds developed between financial institutions. Essence The deposit business of the same industry is divided into settlement, business relations and uses into settlement of interbank deposits and non -settlement industry deposits.
Medical deposit form is a deposit -based financial institution issued a regular deposit certificate issued by the national bank market. After issuance, it can enter the secondary market to circulate. An important pilot tool for turning.
The interbank deposit business is developed in one -to -one deposit, while the same deposit list is developed in one pair of vouchers, which is a more standardized product. In addition, there are several points such as business period, pricing method, business platform, and business development method in interbank deposits. The specifics are as follows:
① To carry out interbank deposit business, you can just recognize each other between the opponents, and the issuance of interbank deposits needs to be recorded at the central bank. Before the issuance of the same industry deposit, the institution needs to record the amount of the issuance of the year of the year and determine the amount and period of the issuance of each interbank deposit in each period within the quota, but the amount of issuance of the single period must not be less than 50 million yuan.
② peer deposit period is flexible than the peer deposit. The period of the same industry deposit can be jointly agreed by both parties. Generally, it is 7 days, 14 days, 1 month, 2 months, 3 months, 6 months, 1 year, and according to the agreement, it is usually available in advance. The issuance period of interbank deposits is more standardized, which can be 1 month, 3 months, 6 months, 9 months, 1 year, 2 years, and 3 years.
③ The quotation of the same industry deposits is guided by the price and market conditions of the big bank. The price of the interbank deposit is based on the interest rate of the same period of Shibor, and the price of the market for the deposit is priced. If the term of the interbank deposit is not more than one year, it is issued at a fixed interest rate and the period is more than 1 year. The interest rate is based on the shibor as the basis for floating interest rates.
④ peer deposits are offline business, and there is no unified trading platform and comprehensive information release channels. The issuance of interbank deposits is more open and transparent. It is electronic issued through the distribution system of the National Banking Interbank Borrowing Center. The announcement and issuance information before the issuance will be disclosed on the foreign exchange trading center website.
4
Medical payment refers to the entrustment of the commercial bank (trustee) to accept the financial institution (commissioner) to pay to the corporate customers. The funding for the principal and interest of the payment item is. The entrusted payment items of the trustees are for accounting for the account accounting subjects, and the entrusted parties will pay related funds on the loan accounting account for accounting.
5
buying and returning (selling repurchase) refers to the two financial institutions to buy (sell) financial assets in accordance with the agreement, and then at the agreed price to expire at the agreed price expire The funding for the return (repurchase) of the financial assets on the day is. Buy a selling (selling repurchase) related funds for accounting for financial asset accounting subjects for the purchase and repurchase of money. Similar transactions between the three or more transactions shall not be included in the management and accounting of the buying and repurchase business.
6
Limbout investment refers to financial assets (including but not limited to financial bonds, sub -bonds, etc. on the bank market or stock exchange Ordinary financial assets of market transactions) or specific destination carriers (including but not limited to commercial bank wealth management products, trust investment plans, securities investment funds, securities company asset management plans, fund management companies and subsidiaries asset management plans, insurance industry asset management institutions, insurance industry asset management institutions Investment behavior of asset management products).
7
The discount refers to the entry of the bank acceptance bill to obtain the funds to obtain a certain interest to transfer the bill right to the bank to the bank. A way of integrating funds. Among them, the discount is divided into bank acceptance bills and commercial acceptance bills.
8
This referring to the discounted but not expired bills when commercial banks are temporarily insufficient in funding, and handed them to other commercial banks or discount institutions for discounts to obtain financial communication. The reposting is divided into bill buying and billing repurchase.
9
The again refers to providing business banks with financing support to commercial banks by buying commercial banks held by the central bank through buying commercial banks.
The banking business refers to the various businesses that use the financial interbank customers as services and cooperation targets, and interbank finance as the core. It is a new business that commercial banks have emerged and flourished in recent years.
The specifically includes: proxy of interbank funds, interbank storage, bond investment, interbank borrowing, foreign exchange trading, derivative product transactions, valet funds transactions and interbank asset buying, repurchase and repurchase, bill reposting and discounting. In recent years, some joint -stock commercial banks have developed rapidly, and the proportion and contributions of the business volume, income, and profits of interbank business have increased significantly in various businesses in commercial banks.
The interbank business is divided into peer storage and storage of peers, representing liabilities and asset businesses, respectively. Simple understanding is that the mutual deposit funds between financial institutions earn a poor interest rate.
The asset business includes the storage of the same industry, the demolition of the same industry, the buying and return of credit assets, and the transfer of the bills.
The interest to other banks by depositing funds
The trust income rights to buy the anti -sale business to invest in funds to invest in the funds in the anti -sale business to invest in the funds to invest in the funds to invest in the funds to invest in the funds to invest in the funds. The real economy. Can get loan interest income.
The bills mainly use the regulatory loopholes of the Agricultural Credit Society to escape the scale, mainly discounting, reposting, direct stickers, etc. However, within the bank, the bill business is slowly separated from the interbank business.
The wealth management products invested in banks.
The banking business refers to the various businesses that use the financial interbank customers as services and cooperation targets, and interbank finance as the core. It is a new business that commercial banks have emerged and flourished in recent years.
n00:00 / 00: 5770% shortcut keys to describe space: Play / suspend ESC: exit full screen ↑: increase volume 10% ↓: reduced volume decrease by 10% →: single fast forward 5 seconds ←: single fast retreat 5 seconds Press hold up and hold it up. Here you can drag no longer appear in the player settings to reopen the small window shortcut key description