What are the main liabilities of commercial banks?

The liabilities of commercial banks are mainly in the following categories: taking deposits, borrowing, issuing financial bonds, and increasing capital. The vast majority of the debt funds come from deposits.

The main liabilities of commercial banks are: their own capital, deposits, borrowed funds, etc.

The main business of a commercial bank.

You have the IQ you can think of! You Zou is 2

The main businesses of commercial banks include liability business, asset business and off-balance sheet business.

Liabilities are the operations through which banks form their assets. A type of bank credit business. In Western countries, liabilities are made up of both own capital and external funds.

According to its organizational form, the bank's own capital can be individual capital, partnership capital or share capital; External funds are mainly deposits. Deposits are generally divided into two types: time deposits and demand deposits. In addition, external funds also include borrowed funds from other banks or ** banks, funds occupied by interbank transactions and temporary funds occupied when carrying out intermediary business.

Banks should maintain a certain ratio between their own capital and the foreign funds they absorb, and generally strive to absorb more foreign funds with relatively strong their own capital.

Commercial banks have the following three types of liabilities:

1. Deposit liabilities.

Deposit liabilities are the most important liabilities of commercial banks, but deposit liabilities are extremely unstable. Because deposits are funds that are temporarily deposited in the bank by depositors, when and how much they are deposited and withdrawn depends entirely on the depositor's wishes.

2. Borrowed liabilities.

Borrowing liabilities, also known as non-deposit liabilities, refer to the funds that banks actively finance through the financial market or directly to the first bank. Deposit absorption is the most important liability business of commercial banks, but in recent years, banks have borrowed a large amount of funds in order to maintain their liquidity, and many banks often rely on borrowed funds to maintain their operations, and the proportion of borrowing liabilities in the total liabilities of commercial banks has been increasing, which is inseparable from the emergence of liability management theory.

3. Settlement liabilities.

Settlement business refers to a kind of monetary receipt and payment behavior that settles the creditor's rights and debts caused by commodity transactions, labor services and capital transfers through banks. When the bank handles the business, in addition to obtaining a certain handling fee, because the settlement unit must concentrate part of the monetary funds or the funds in transit in the settlement process on the bank's deposit account, for the bank, within a certain period of time, this part of the funds will form part of its credit funds**, which will be occupied.

Liabilities of commercial banks:

Liability business is the business of commercial banks to raise funds to form funds, and is the basis of commercial banks' asset business and other businesses.

Bank capital. Deposit.

Short-term borrowings.

Commercial Bank Asset Business:

Bills business. Lending business.

**Business. The liability business is the activity of a commercial bank to raise funds for its daily work through external liabilities, and is the basis of the asset business and intermediary business of a commercial bank, which is mainly composed of its own capital, deposits and borrowings, of which deposits and borrowings belong to the external funds absorbed, and interbank deposits, interbank deposits, borrowed or borrowed funds or the issuance of bonds also constitute the bank's liabilities.

The own funds of a commercial bank refer to the capital in which it has ownership. It mainly includes equity capital, reserve funds and undistributed profits. Among them, the share capital is the share capital raised by the issuance of ** when the bank is established; Reserve capital, i.e., provident fund, is mainly formed by the commission of after-tax profits and is used to make up for operating losses; Profit is broad, which refers to the part of the operating profit that has not been withdrawn from the provident fund or disposed of in accordance with the provisions of the financial system.

In the total credit funds of commercial banks, their own funds account for a small amount, generally about 10% of the total debt business, but their own funds play a very important and irreplaceable role in the bank's business activities. It is a prerequisite for a commercial bank to open and engage in banking business; secondly, it is the material basis for the risk loss of bank assets and provides protection for bank creditors; Once again, it has become a material guarantee for improving the competitiveness of banks.

Deposit is the most important business in the bank's liability business, and it is the main fund of the commercial bank. Deposit-taking is the foundation on which commercial banks rely for their survival and development, accounting for more than 70 percent of their total liabilities. "Deposits that are of great importance to the bank"Marx's assertion clearly reveals the economic position of the deposit business.

The types of deposits of commercial banks can be divided according to different standards: according to the types of deposits, they can be divided into demand deposits, time deposits, savings deposits and call deposits, and the length of maturity can be divided into short-term, medium-term and long-term deposits; According to the economy of deposits, they can be divided into industrial and commercial, agricultural, financial, interbank deposits, etc.

Liability business of commercial banks: Liability business is the business of commercial banks to raise funds to form funds, and is the basis of commercial banks' asset business and other businesses Bank capital deposits Short-term borrowings Commercial bank assets business: bill business Lending business **business.

It mainly refers to bank savings business and interbank lending business.

Generally speaking, the bank calls the debt business to collect other people's money into your own pocket and increase your credit funds (it is other people's money, which is deposited in your bank, and it will be returned to others when the time comes, so the bank is a liability. ）

1. Own funds: In all the credit funds of commercial banks, their own funds account for a small amount, generally about 10% of the total debt business, which is the premise for commercial banks to open and engage in banking business.

2. Deposits: Deposits are the most important business in the bank's liability business, and the absorption of deposits is the basis for the survival and development of commercial banks, accounting for more than 70% of the total liabilities.

3. Borrowing liabilities: Borrowing liabilities are short-term activities in which commercial banks inject funds into ** banks through remortgage and rediscounting of bills and borrow funds from other banks through the interbank lending market.

Commercial bank.

The liability business refers to the business of raising funds and forming funds of commercial banks, which is the basis of the asset business and other businesses of commercial banks.

1. The most important liability business of a commercial bank is the deposit business, which is also the main business of the working capital of the commercial bank. This includes savings deposits, business deposits, and other deposits.

2. Capital is the basis of a bank's business and the capital that a commercial bank must raise in accordance with the law when it is established.

3. Interbank lending, the transfer of funds between banks.

4. Borrowing from ** banks, including rediscounting and direct loans.

Liability business of commercial banks: Liability business is the business of commercial banks to raise funds to form funds, and is the basis of commercial banks' asset business and other businesses Bank capital deposits Short-term borrowings Commercial bank assets business: bill business Lending business **business.

The liability business is the capital business formed by the commercial bank, and is the basis of the asset business and intermediate business of the commercial bank, which is mainly composed of its own capital, deposits and loans, of which deposits and loans belong to the absorption of foreign funds.

Own capital. A prerequisite for the opening, operation and development of a bank is that it must have a certain amount of capital, or its own capital. Bank capital includes the capital raised at the time of the bank's establishment, reserve capital, and undistributed profits.

Any commercial bank must raise a certain amount of capital, known as authorized capital, at the time of business registration. If the registered capital is not reached, it will not be opened. Capital can be divided into individual capital according to different combinations.

Partnership capital and share capital, of which share capital is the mainstay, reserve capital is a reserve for contingency losses formed by relying on recurring profit retention. Bank capital accounts for only a small fraction of bank liabilities.

Deposit. The heaviest funds of commercial banks are to rely on absorbing foreign funds, of which the main ones are to absorb deposits, which account for more than the majority and are bank liabilities.

borrowing. Interbank lending. Short-term or temporary lending activities between financial institutions.

Borrow money from a bank. **Loans granted to banks as lenders of last resort to meet the needs of commercial banks to finance funds.

Other borrowings. Commercial banks borrow money from other financial institutions, borrow money from the international financial market, and other ways to raise funds.