Let's see what you think. There is a standardized product called bond repurchase in the exchange market and the inter-bank market, and ordinary individuals in the exchange market can also participate. If an individual carries out reverse repurchase, it is equivalent to lending, and the counterparty happens to be a bank, which can be considered as borrowing money. But this is a very short-term loan, that is, interbank lending. It is one of the measures for institutions to solve the shortage of short-term positions.

However, if you think that the above problem is that the bank has no money and is in a hurry to borrow money, it is all wet.

Banks are institutions, but they are not unified accounts. Tens of millions of wealth management products of a bank are all in one account, so it is impossible to transfer money directly between these accounts. That is to say, there is a temporary shortage of an account (for example, the product will expire tomorrow, but many people will redeem it today), so I will borrow it from the market for a day or two. Therefore, this kind of dismantling in the same industry is a normal business.