1, own capital

2. Financing by issuing bonds (such as CDB) and stocks (listed banks) in the capital market.

Step 3 save money

4. Some funds are deposited in intermediary business and settlement business.

Savings account for the largest proportion of the above loans, followed by 1 and 4. Apart from CDB, which has no saving function, he mainly relies on issuing bonds as the main source of loans.

Second, the main sources of credit funds of China's commercial banks at present

Sources of deposit funds and non-deposit funds.

The source of funds for commercial bank deposits is the most basic source of funds for commercial banks. Including funds attracted by trading accounts. There are mainly demand deposit accounts, negotiable payment orders accounts, money market deposit accounts, automatic transfer systems, and funds attracted by non-trading accounts. There are mainly savings deposits and time deposits.

Extended data:

Precautions:

Arrange repayment according to income. The repayment arrangement mainly determines the loan term and down payment ratio. Most bank loans are repaid by installments, that is, the loan principal and interest are repaid in equal amounts every month. When the loan amount is fixed, choosing different loan terms and products will determine different monthly repayment levels.

Pay attention to the risk of interest rate changes. The personal loan interest rate is a floating interest rate. As long as the bank adjusts the interest rate, the borrower's repayment interest rate will change accordingly, and the monthly repayment amount will be adjusted from the following year. Borrowers must pay attention to the change of their repayment amount, and be careful not to affect their personal credit because of less repayment or late repayment.