trait
(1) Paid profit, that is, deposit withdrawal, loan borrowing and repayment. Bank deposits have to pay interest, bank loans have to charge interest, and the total interest income of loans is greater than deposit interest expenses plus various operating expenses, so that credit funds can make a profit after a movement cycle. Therefore, credit funds are not used for various financial expenditures. (2) liquidity or turnover, credit funds are kept here, borrowed there, and kept coming in and out. (3) Accommodation: banks flexibly adjust the surplus and deficiency of social funds through various business means and credit instruments according to the time difference, geographical difference and project difference in the use of social funds in different periods.
law
The increase and decrease of credit funds have certain regularity. The increase or decrease of the bank's own funds is determined by three factors: the bank's profit, the ratio of tax and interest paid by the bank to the finance, and the amount of credit funds added (or withdrawn) by the finance to the bank. The growth rate of various deposits and settlement funds entrusted by the unit to the bank mainly depends on the growth scale of production and commodity circulation. The size of currency circulation mainly depends on the growth rate of commodity circulation and the speed of currency circulation. The use of credit funds is mainly based on the requirements of national economic policies and national plans, combined with the specific situation of market capital supply and demand, and mastered and used within the possible scope of credit funds sources.