What's the difference between interbank lending, interbank deposit and agreement deposit? What is the biggest difference? Interbank deposit business is called interbank deposit or interbank deposit according to the different directions of deposits and deposits of financial institutions. This kind of business is offline. Every day, traders from different institutions (banks are called account managers) make inquiries and make deals (via WeChat, email and telephone). Generally speaking, if the prices of both parties match, the transaction must be completed on the same day, that is to say, when the price reaches the day when the two parties sign the contract, the depositor must withdraw money to open a certificate of deposit. The term of this deposit is uncertain. Please refer to the position requirements determined by depositors (such small constants have been completed for 45 days and 70 days).

The questioner said that deposit by agreement ... Xiao Heng didn't know if he was talking about the insurance association. Xiao Heng believes that this kind of deposit is essentially that depositors need to attract high interest rates (absorbing ordinary deposits at high prices). For example, at present, the price of interbank deposits is mostly 3% annualized, but some city commercial banks and rural commercial banks can issue 3.7% annualized agreement deposits. This kind of agreement deposit usually needs to find channels to attract depositors to open accounts (the channels are mostly insurance asset management companies, and now there are also securities asset management, futures asset management and fund subsidiaries). The name of this account is usually a special account, but the funds behind this channel are actually saved from major financial institutions.

At present, loan-to-deposit ratio has been cancelled, so the agreed deposit market will become smaller and smaller. Many banks do not regard such agreed deposits as general deposits in their assessments. The biggest difference between interbank certificates of deposit and interbank deposits is that interbank certificates of deposit are negotiable instruments, while interbank deposits cannot be transferred because of their true nature. This news can be interpreted as that the People's Bank of China is considering the feasibility of resuming the large negotiable certificates of deposit (CDS) suspended in 1997.

Interbank deposit: Commercial banks or other financial institutions deposit funds in another bank, usually for liquidation and investment purposes. In fact, this method is similar to ordinary bank unit deposits. It is also divided into demand deposit, time deposit and notice deposit, but the interest rate of time deposit is usually agreed by both parties. It is worth noting that time deposits in the same industry use certificates of deposit instead of certificates of deposit.