I. Types of liabilities:
Deposit liabilities
Borrowing liabilities
Settlement responsibility
Second, changes in the debt structure of commercial banks in China
The debt structure is increasingly diversified.
Among bank deposits, savings deposits increased the most, while corporate deposits fluctuated greatly.
The market share held by liabilities is unbalanced, mainly manifested in the unbalanced share held by the deposit market.
Liabilities represent all economic responsibilities of commercial banks to debtors. Deposits and derivative deposits are the main liabilities of banks, accounting for more than 80% of the sources of funds. In addition, interbank deposits, borrowing funds or issuing bonds also constitute the liabilities of banks (banks).
Extended data:
Composition of liability cost:
1, interest cost
Interest cost is the remuneration paid by commercial banks directly to depositors, bondholders and credit intermediaries in the form of money.
2. Production cost
Operating costs refer to all expenses except interest incurred in absorbing liabilities, including advertising fees, salaries of bank employees, depreciation and amortization of equipment, office expenses and other expenses required for providing services to deposit customers.
3. Cost of capital
The cost of capital refers to all the expenses including interest spent on absorbing liabilities, that is, the sum of interest cost and operating cost, which reflects the price paid by banks for liabilities.
4. Cost of available funds
Available capital cost refers to the funds that banks can actually use for loans and investments. It is the balance of the total source of bank funds after deducting the statutory deposit reserve and the necessary reserve that should be paid.
5. Related expenses
Related costs refer to the costs related to the increase in liabilities but not included in the above costs.
It mainly includes: risk cost and chain reaction cost.
Baidu Encyclopedia-Commercial Bank Liabilities