1. What are the ways to borrow money from the central bank?

Borrowing from the Central Bank is for temporary funding needs, seasonal funds, annual funds and special borrowings from the Central Bank with approval for special needs

It is a commercial A last resort for banks to maintain liquidity in their liability businesses.

The central bank controls the total supply of money in society. When banks, which are responsible for adjusting monetary funds and maintaining the stability of the banking system, encounter insufficient funds and liquidity difficulties, they can ask the central bank to

One side of bank borrowing is direct borrowing, also known as re-lending; the other is indirect borrowing, which is so-called direct borrowing. Direct borrowing refers to a commercial bank using its own qualified instruments, such as bank acceptance bills, government bonds, etc. The undue bills purchased when handling discount business, such as short-term commercial bills, treasury bills, etc., are resold to China's commercial banks as collateral to obtain mortgage loans from the central bank.

The borrowings of my country's commercial banks from the central bank are basically

On the one hand, this is because my country's commercial paper credit has not yet truly developed. On the other hand, my country's state-owned commercial banks are highly dependent on the central bank for funding. This is also a more important reason.

2. What are the main channels for external funds of commercial banks?

The main source of funds for commercial banks is to absorb external funds, which mainly fall into four categories: deposit-taking, also known as passive liabilities; sources of funds increased by creating financial assets, also known as active liabilities; Central bank borrowing and interbank lending; temporary capital occupancy.

3. What are the ways to borrow money from the central bank?

Borrowing from the central bank refers to the temporary working capital that commercial banks borrow from the central bank to meet temporary funding needs. , seasonal funds, annual funds, and special loans borrowed from the central bank upon approval for special needs, etc.

It is the last resort for commercial banks to maintain the liquidity of their liability business.

The central bank controls the total supply of money in society and is responsible for adjusting monetary funds and maintaining the stability of the banking system. Therefore, commercial banks can borrow from the central bank when they encounter insufficient funds or liquidity difficulties.

There are two main ways to borrow from the central bank, one is direct borrowing, also known as re-lending; the other is indirect borrowing, the so-called rediscount.

Direct borrowing means that commercial banks use their own qualified bills, such as bank acceptance bills, government bonds and other securities as collateral to obtain mortgage loans from the central bank; indirect borrowing means that the central bank handles its own discounts Unexpired bills purchased during business operations, such as short-term commercial bills, treasury bills, etc., are resold to the central bank to obtain cash.

The borrowings from my country’s commercial banks to the central bank are basically in the form of direct borrowings.

On the one hand, this is because my country's commercial paper credit has not yet truly developed. On the other hand, my country's state-owned commercial banks are highly dependent on the central bank for funding. This is also a more important reason.

IV. The ways in which commercial banks borrow money from the central bank include: 1. Direct borrowing: This method of borrowing is also called re-lending. It is a commercial bank that transfers qualified bills, such as bank acceptance Securities such as bills of exchange and government bonds are used as collateral to obtain mortgage loans from the central bank; 2. Indirect borrowing: Indirect borrowing, also known as rediscounting, refers to the undue bills purchased by commercial banks when applying for discount business, such as short-term commercial bills, Treasury bills, etc., are resold to the central bank for cash. : 1. Commercial Bank (Commercial Bank), abbreviated as CB in English, is a type of bank. It is a financial institution that acts as a credit intermediary through deposits, loans, exchange, savings and other businesses. The main business scope is to absorb public deposits, grant loans and handle bill discounts, etc. General commercial banks do not have the right to issue currency, and their traditional business mainly focuses on deposits and loans. 2. The emergence of early banking industry is closely related to the development of international trade. In the Middle Ages, countries along the Mediterranean coast of Europe, especially cities such as Venice and Genoa in Italy, were famous international trade centers, with merchants gathering and markets prospering. However, due to the feudal separatism of the society at that time and the chaotic monetary system, the coins carried by merchants from various countries were of different shapes, colors, and weights. In order to meet the needs of trade development, currency exchange must be carried out. As a result, professional currency dealers who were solely engaged in currency exchange and collected handling fees began to appear and develop.

3. From the perspective of the development of commercial banks, there are two business models of commercial banks. One is the British model, in which commercial banks mainly finance short-term commercial funds and have the characteristics of short loan periods and high liquidity. That is, borrow deposits at a lower interest rate and extend loans at a higher interest rate. The interest rate difference between deposits and loans is the main profit of commercial banks. This business model is relatively safe and reliable for banks. The other is the German style, whose business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business. 4. The formal review should clarify whether the various application documents are complete, whether the information is complete, and whether they comply with legal regulations. The substantive review should clarify whether the applicant meets the requirements. After the various conditions for operating commercial banking business are reviewed and passed, the applicant will fill in the formal application form and submit other legally required documents and information to the China Banking Regulatory Commission for approval and issue a business license. It is worth mentioning that the power of approval is complete. Belonging to the country, meeting the conditions for establishing a commercial bank does not mean that you will be able to obtain a business license. Operating environment: Apple mobile phone 12iOS14.1, People's Bank of China appv11.1