According to the statistics of China's central bank's credit revenue and expenditure, the sources of commercial banks' funds consist of deposits, bond issuance, liabilities to the central bank, liabilities to financial institutions, foreign liabilities, other liabilities and owners' equity. Like foreign countries, deposits have always been the core part of the source of funds for commercial banks in China. However, with the continuous development of the financial market and the gradual improvement of the asset-liability management level of commercial banks, various active liabilities in the sources of funds of commercial banks in China have also begun to occupy a place.

1. issuing bonds means that commercial banks integrate funds from money or capital markets by issuing financial bonds. In the past, only three policy banks in China issued financial bonds. Since the central bank issued the Measures for the Administration of Subordinated Bond Issuance of Commercial Banks in June 24 and the Measures for the Administration of Financial Bond Issuance in the National Inter-bank Bond Market in May 25, ordinary commercial banks have started to sell subordinated bonds and financial bonds one after another, and bond issuance has gradually become an indispensable part of commercial banks' capital sources.

2. Liabilities to the central bank refer to the business behavior of commercial banks to integrate funds from the central bank. At present, the main forms are refinancing, rediscounting and reverse repurchase by the central bank in the open market. The central bank's liabilities are based on two purposes: one is to increase the sources of funds of commercial banks and alleviate the lack of liquidity of commercial banks; Second, the central bank regulates the market money supply and implements the intention of monetary policy.

3. Inter-bank liabilities refer to the business behavior of commercial banks to integrate funds from financial institutions. Inter-bank liabilities mainly include inter-bank borrowing (the term shall not exceed 4 months) and borrowing (borrowing for more than 4 months, the current borrower is limited to the branches of foreign banks in China), bill transfer, credit asset transfer repurchase, bond repurchase and other forms of realization, in which inter-bank borrowing and borrowing are generally based on credit, while others are financed with existing assets as collateral.

4. Agreement deposit means that commercial banks introduce large deposit funds from insurance companies, social security funds, postal savings and money market funds according to policies and regulations, and stipulate the term and interest rate. General deposits or interbank deposits are included in this part of the statistics, but they are essentially liabilities to the interbank, and they have the nature of individual marketing, agreed term, interest rate and amount, and also belong to the category of active liabilities.