The difference between interbank deposits and interbank lending is as follows: 1. Different risks, loan trade usually needs to give credit to the lending bank in advance or pledge with bills, but it does not need interbank deposits; 2. If the vouchers are different, the loan trade needs to sign a loan contract in advance as the creditor's rights and debts of both parties; 3. The procedures are different. Depositors need to open interbank deposit accounts with depository banks in advance, but loan trade does not need to open accounts; 4. The terminology is different. According to the regulations of the People's Bank of China, the longest term of RMB borrowing at present does not exceed 1 year, while the term of interbank deposits can exceed 1 year; Due to different interest rates, the loan interest rate is usually slightly higher than the inter-bank deposit interest rate. Interbank lending mainly refers to the interbank lending of funds, which is the behavior of banks to raise funds. Use the interbank offered rate. Generally speaking, this kind of business is similar to mutual lending between banks. Deposit in the same bank means that a bank opens an account in another bank to deposit some idle funds or use them for payment and settlement. It has also become an interbank deposit. Inter-bank lending refers to short-term lending between financial institutions (mainly commercial banks) to make use of the time difference, spatial difference and inter-bank difference in the process of financing. Interbank lending, or interbank lending, interbank lending and capital lending, also known as interbank lending market, is a market for short-term and temporary position adjustment between financial institutions. It refers to the short-term financing between a financial institution with legal personality and a financial branch authorized by a legal person. In some countries, it refers to short-term financing between financial institutions that absorb public deposits, with the purpose of adjusting positions and temporary funds. Inter-bank lending is a short-term behavior between banks. For example, a bank customer suddenly wants to withdraw a large sum of money, but the bank's position is insufficient, so interbank lending is adopted to alleviate the short-term position shortage. Short-term turnover requires the borrower to pay a certain interest at a certain interest rate. Interbank lending between financial institutions is managed, organized, supervised and audited by the People's Bank of China.
2. What is the difference between interbank offered rate and interbank offered rate?
1, the difference in meaning interbank lending rate refers to the short-term capital lending rate between financial institutions. According to the participation of intermediaries, the interbank lending market can be divided into direct transactions and indirect transactions. For direct transactions, the loan interest rate shall be determined by both parties through direct negotiation; In the case of indirect transactions, the lending rate is determined by public bidding or intermediary agencies according to the supply and demand of lending funds. Interbank lending rate refers to the short-term capital lending rate between financial institutions. There are two kinds of interest rates, the loan interest rate means the interest rate that financial institutions are willing to lend; The loan interest rate indicates the interest rate you are willing to lend.
2. Interbank lending rate is the capital price in the lending market, the core interest rate in the money market and the representative interest rate in the whole financial market. It can timely, sensitively and accurately reflect the short-term capital supply and demand relationship in the money market and even the whole financial market. When the interbank lending rate continues to rise, it reflects that the demand for funds is greater than the supply, indicating that the market liquidity is declining. When the interbank lending rate drops, the situation is just the opposite. Interbank Offered Rate (Interbank Offered Rate) represents the borrowing of one bank, but it is actually the borrowing of another bank. Compared with the loan interest rate of the same bank, the loan interest rate is always less than the lending interest rate, and the difference is the benefit of the bank. When the cost of interbank borrowing exceeds the income on a certain day, it shows that other businesses of the bank need cash flow very much.
3. Differences in Representative Interest Rates Representative interbank lending rates are as follows: US federal funds rate, London Interbank Offered Rate (LIBOR), Singapore Interbank Offered Rate, Hong Kong Interbank Offered Rate and Shanghai Interbank Offered Rate. Representative interbank offered rates are as follows: London Interbank Offered Rate, Singapore Interbank Offered Rate, new york Interbank Offered Rate and Hongkong Interbank Offered Rate. Source: Interbank Offered Rate Source: Interbank Offered Rate
Third, the difference between interbank lending rate and interbank lending rate.
Sweating. . . This is the same meaning, referring to the short-term capital lending rate between banks, but with different names, there is no difference.
Four, the difference between interbank lending rate and interbank lending rate
1, the difference in meaning
Interbank lending rate refers to the short-term capital lending rate between financial institutions. According to the participation of intermediaries, the interbank lending market can be divided into direct transactions and indirect transactions. For direct transactions, the loan interest rate shall be determined by both parties through direct negotiation; In the case of indirect transactions, the lending rate is determined by public bidding or intermediary agencies according to the supply and demand of lending funds.
Interbank lending rate refers to the short-term capital lending rate between financial institutions. There are two kinds of interest rates, the loan interest rate means the interest rate that financial institutions are willing to lend; The loan interest rate indicates the interest rate you are willing to lend.
2. Functional differences
Interbank lending rate is the capital price of the lending market, the core interest rate of the money market and the representative interest rate of the whole financial market. It can timely, sensitively and accurately reflect the short-term capital supply and demand relationship in the money market and even the whole financial market. When the interbank lending rate continues to rise, it reflects that the demand for funds is greater than the supply, indicating that the market liquidity is declining. When the interbank lending rate drops, the situation is just the opposite.
Interbank Offered Rate (Interbank Offered Rate) represents the borrowing of one bank, but it is actually the borrowing of another bank. Compared with the loan interest rate of the same bank, the loan interest rate is always less than the lending interest rate, and the difference is the benefit of the bank. When the cost of interbank borrowing exceeds the income on a certain day, it shows that other businesses of the bank need cash flow very much.