1. Capital lending is a temporary regulatory lending business, that is, borrowing funds from banks or other financial institutions holding long positions in the case of insufficient positions. The loan period is generally short, and some only need one or two days. In western countries, foreign exchange brokers usually borrow money from banks in this way. Such lending activities often require stocks and bonds as collateral, and must be returned the next day after receiving the notice from the lender. If the borrower fails to repay the loan on time, the lender has the right to dispose of the collateral. For a long time, China's interbank lending business has not been carried out for a long time, mainly among financial institutions.

2. The so-called inter-bank lending refers to the temporary loan swap between banks and non-bank financial institutions. Banks and non-bank financial institutions approved by the People's Bank of China and registered in the administrative department for industry and commerce may participate in interbank lending business. People's Bank of China, insurance companies, non-financial institutions and individuals are not allowed to participate in interbank lending activities. The People's Bank of China and its branches are the competent departments of interbank lending business, and are responsible for managing, organizing, supervising and auditing interbank lending activities. In interbank lending, we should adhere to the principles of voluntariness, equality and mutual benefit, and abide by the principles of credit and short-term financing.

There are four main principles of capital lending: the principle of peer participation; The principle of equality and mutual benefit; Principle of short-term use; The principle of timely return.

1. The principle of peer participation As a capital lending market, we must first adhere to the principle of financial peer participation. The main participants in capital lending must be commercial banks and other financial institutions.

2. The principle of equality and mutual benefit Any party participating in interbank lending must follow the principle of "equality and mutual benefit, voluntariness, trustworthiness and short-term financing". In the transaction, the financing parties must voluntarily coordinate and complete the transaction independently to achieve mutual benefit and win-win results.

3. Short-term use principle: interbank lending is a short-term financing method. Therefore, the use of interbank lending funds of commercial banks must conform to the characteristics of surplus and deficiency adjustment, mainly to solve the urgent need of short-term funds. In violation of the principle of short-term use, unauthorized changes in the use of funds, the demolition market management department has the right to be punished.

4. Based on the principle of timely repayment, both borrowers and borrowers of funds should abide by their credit and maintain their own credit. The borrowing bank must guarantee to repay the principal and interest on schedule, and shall not delay the occupation for any reason. The term of interbank borrowing is generally not extended. If one party breaches the contract, the other party may collect fines and penalty interest as agreed. The fine is generally calculated at 3‰ per month, and the penalty interest is calculated at 20%.