2. overnight rate is a kind of interbank lending rate, and the interest rate is relatively low in the short term.
3. Interbank lending rate refers to the short-term capital lending rate between banks. It has two kinds of interest rates, the loan interest rate indicates the interest rate that banks are willing to lend; The loan interest rate indicates the interest rate that the bank is willing to lend. Lending (borrowing) by one bank is actually lending (lending) by another bank. The spread between the lending rates of the same bank is the bank's income.