1. Borrow from the Central Bank. The central bank is the bank of the bank and the last contact and lender of the commercial bank. There are two main ways for the central bank to raise funds from commercial banks, namely, rediscount and refinancing.

2. Inter-bank loans. Banks buy and sell their deposit balance or other excess reserves in the central bank, and carry out short-term capital financing in the same industry, which is called interbank lending.

3. Borrow from the money market. Borrowing from the money market means that commercial banks issue bonds (mainly long-term bonds). Value bonds issued by banks are debt securities that pay interest at an agreed time and repay the principal on a regular basis. It has the nature of a promissory note. The issuance of bonds should be approved by the regulatory authorities, and the issuance should be restricted.

4. Short-term capital occupation in the settlement process. Short-term capital occupation in the settlement process refers to the occupation of other people's funds by commercial banks in the process of interbank transactions and intermediary business. In the process of business dealings between banks, it is inevitable that funds will occupy each other.