The cash of financial institutions refers to the actual cash, that is, the amount of cash to be paid, and the deposit refers to the money deposited in banks for enterprises and private customers, that is, the liabilities of banks, which are closely related. Therefore, the Banking Regulatory Bureau clearly stipulates that: 1, the capital adequacy ratio shall not be less than 8%; 2. The ratio of loan balance to deposit balance shall not exceed 75%; 3. The ratio of current assets balance to current liabilities balance shall not be less than 25%; 4. The ratio of the loan balance of the same borrower to the capital balance of the commercial bank shall not exceed 65,438+00%;

(Deposits refer to money deposited by other departments in financial institutions) What you want to talk about is interbank borrowing. You must abide by the regulations of the People's Bank of China, and it is forbidden to use borrowed funds to issue fixed assets loans or make investments. Borrowing funds are limited to paying enough deposit reserves, leaving enough reserves and returning idle funds after the people's bank of China expires loans. Borrowed funds are used to make up for the shortage of bill settlement and inter-bank foreign exchange positions, and to meet the needs of temporary liquidity.

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