The interbank lending market is short-term,

Temporary position adjustment market. Refers to having legal person information.

Financial institutions and financial branches authorized by legal persons.

Short-term financial intermediaries between institutions, some

The state refers to financial institutions that absorb public deposits.

Short-term financing, the purpose is to adjust the position and temporary.

Temporary funds surplus and deficiency. Overfunded to underfunded.

Lending money is called capital lending; Those who are short of funds

Borrowing money from people with excess funds is called borrowing money. one

The capital lending of a financial institution is greater than that of capital lending.

Net demolition; Otherwise, it is called net demolition.

There are two kinds of interest rates in the interbank lending market, and the buying rate shows that

Interest rate that financial institutions are willing to borrow; Offered interest rate representation

The interest rate you are willing to lend.

In the case of direct transaction, the loan interest rate is determined by both parties to the transaction.

Determine through direct negotiation;

In the case of indirect transactions, the loan interest rate is based on the borrowed funds.

The supply and demand of gold through public bidding or intermediary

Once the loan interest rate is determined, it will be dismantled.

Both sides of the loan transaction can only be at this established interest rate level.

Recipients of.

Representative interbank lending in the international money market.

There are four kinds of interest rates: the federal funds rate in the United States and Karen.

london inter bank offered rate,libor

Loan interest rate and Hong Kong Interbank Offered Rate.

Interbank lending rate is the price of funds in the lending market, that is,

The core interest rate of the money market is also the whole financial market.

Stands for interest rate, which can be timely and sensitive.

Accurately reflect the money market and even the whole financial market

Short-term capital supply and demand. When the interbank lending rate continues to rise

When it rises, it reflects that the demand for funds is greater than the supply, which indicates the market.

When the interbank lending rate falls, market liquidity may decline.

When, do the opposite.

According to the transaction mode, there are various interbank lending transactions.

Divided into credit lending and mortgage lending;

According to the duration, there are 7 days overnight (1 day).

1 month, 4 months and other varieties

Features:

1. First, the financing period is relatively short. So is our country.

The longest term of industry loan funds is 4 months, mainly because

Short-term and temporary capital requirements for financial institutions;

2. Participants are commercial banks and other financial institutions.

Institutions involved in lending are basically located in the central bank.

The transactions in deposit accounts and lending markets are mainly financial machines.

Excess funds deposited in the account;

3. It is basically credit lending;

4. The interest rate is relatively low. The general interbank lending rate is based on

According to the central bank's refinancing rate and rediscount rate,

Then there is the tension of social funds and the relationship between supply and demand.

Lenders and borrowers can negotiate freely. Since both borrowers and borrowers are businessmen,

The reputation of Industrial Bank or other financial institutions is higher than that of ordinary enterprises.

Enterprises should be high, the risk of lending is small, and the lending period should be increased.

Shorter, so the interest rate is lower.