What are the asset operations of the central bank, and the asset operations of the central bank

The assets of a bank refer to the various claims owned by the bank at a certain point in time.

**The bank's asset business mainly includes rediscount business and loan business, ** trading business, international reserve business and some other asset business.

1. ** Rediscount business of banks.

It is a business in which commercial banks and other financial institutions transfer the commercial papers obtained by discounting to the first bank when they are in urgent need of capital turnover, and the first bank finances funds to the commercial bank in the form of discount.

rediscounting, discounting".

2. Loan business.

1.Lending to commercial banks and other financial institutions.

2.Loan to **.

3.Lending to non-monetary financial institutions.

4.Other loans.

3. The trading business of the bank.

1) The object of the sale:

**Treasuries, Treasury bills and other highly liquid valuable**.

2) Buying and selling methods:

Outright Sale and Purchase Agreements.

3) Restrictions on Buying and Selling.

1.It can only be purchased on the secondary market.

2.You can't buy illiquid valuable**.

3.Generally, you can't buy foreign valuable**.

4. Foreign exchange reserve business.

Composition of the types of international reserves.

**, IMF Reserve Position, Special Drawing Rights.

It mainly includes loan business, rediscount business, trading business, foreign exchange reserve business.

Introduction to Monetary Finance — **Banks.

Bank asset business refers to the performance of the bank's functions through the treatment of bank assets. It mainly includes rediscount business and loan business, ** trading business, international reserve business and some other asset business.

Extended information: 1. Bank card.

It refers to the credit payment instruments with all or part of the functions of consumer credit, transfer and settlement, cash deposit and withdrawal, etc., issued by commercial banks (including postal financial institutions) to the public after approval. Bank cards have reduced the circulation of cash and cheques, making banking fundamentally different from the limitations of time and space. The use of the automatic bank card settlement system has made the dream of a "check-free, cashless society" a reality.

2. Precautions for use.

Bank cards are all real-named, do not lend them to others.

When using a bank card, it is best to use the local bank in the name of the account to withdraw funds and transfer deposits, which can save handling fees. Bank cards should be placed in the sleeve, do not touch each other, and do not put them together with the ID card to prevent loss of magnetism.

Do not place the bank card in a cloth bag, do not carry it easily, it is easy to lose and break.

Don't tell others the card number of the bank card casually, let alone tell the password of the bank card.

3. Types of bank cards.

Two types of bank cards can generally be divided into two categories, which are debit cards and credit cards. Among them, debit cards are mainly used for deposits, and do not support overdraft consumption, including savings cards, wealth management cards, etc. Credit cards can be used for overdraft consumption and deposits, but the deposits have no interest, including credit cards, quasi-credit cards, etc.

4. Bank: The central bank is the dominant financial center institution in the country and an important tool for the state to intervene and regulate the development of the national economy. It is responsible for formulating and implementing the national monetary and credit policy, has the exclusive power to issue currency, and implements financial supervision.

China's ** bank is the People's Bank of China, referred to as the central bank.

The bank's asset business includes: cash, deposits, loans, and bill discounting.

Investment business, (treasury bonds, corporate bonds, etc.).

Liability business is the business activity of a commercial bank to organize funds, and is the starting point and foundation of the asset business and other business operations of a commercial bank. The liabilities of commercial banks include their own funds and the attraction of foreign funds, and the formation channels of foreign funds include deposit liabilities and non-deposit liabilities. Off-balance sheet business.

It refers to the commercial bank engaged in accordance with the prevailing accounting standards.

Not included in the balance sheet.

It does not affect its total assets and liabilities, but it can affect the bank's current profit and loss.

Operational activities that change the bank's return on assets.

Asset business refers to the behavior of banks using the funds they absorb to engage in various credit activities in order to obtain profits. It mainly includes two categories: lending business and investment business. Asset business refers to the business of commercial banks using funds, that is, the activities of commercial banks to lend or invest the funds they absorb to earn income.

The asset business of commercial banks mainly includes cash assets, loan business, bill discounting, investment business, etc.

Bank capital business is the most important channel for the use of funds in addition to loans, and it is also an important channel for banks. After the bank obtains funds by absorbing deposits, issuing bonds, and absorbing shareholder investment, in addition to issuing loans to obtain loan interest, the rest of the funds are used for investment transactions to obtain investment returns.

The asset business of the bank mainly refers to the loan business, which is divided into bank loans according to the purpose of the loan, and can be divided into working capital loans.

Fixed Funds Loans and Personal Consumption Loans. Asset business refers to an activity in which a commercial bank lends or invests the funds it absorbs to earn income. The current asset business mainly consists of commercial loans.

Bill discounting, investment, financial leasing. The main business of commercial banks includes liability business, asset business and external business.

The asset retrieval business of commercial banks mainly includes: loans, also known as lending, which is the business of banks lending the funds they absorb to customers at a certain interest rate and repaying them on schedule; Discounting is the business of commercial banks to buy bills that have not yet reached the payment date according to the requirements of customers; Investment, refers to the purchase of valuable business activities; Financial leasing.

Asset business refers to the business of a bank using its assets. A type of bank credit business. In China, the asset business of banks mainly refers to the loan business, that is, the credit activities of lending monetary funds at a certain interest rate and the term chain.

According to the purpose of the loan, there are working capital loans, fixed capital loans and personal consumption loans.

Bank assets include: cash, deposits, loans, bill discounting.

Investments, (Treasury bonds, corporate bonds, etc.) ).

Liabilities are the business activities of commercial banks to organize funds, and are the starting point and foundation for the asset business and other business operations of commercial banks. The liabilities of commercial banks include their own funds and attracting foreign capital. The formation channels of foreign capital include deposit liabilities and non-deposit liabilities. Off-balance sheet business.

It refers to the business carried out by commercial banks in accordance with the General Accounting Standards.

Not included in the balance sheet.

It does not affect its total assets and liabilities, but it can affect the bank's current profit and loss.

Changing the bank's operating activities at the rate of return on assets.

Business refers to the behavior of a bank that uses the funds it absorbs to engage in various credit activities in order to obtain profits. Including loan business and investment business. The nuclear bond business refers to the business of commercial banks using funds, that is, the activities in which commercial banks lend or invest the absorbed funds to earn profits.

The asset business of commercial banks mainly includes cash assets, loan business, bill discounting and investment business.

Banking business is the most important channel for the use of funds in addition to loans, and it is also an important capital for banks. After the bank obtains the funds by absorbing deposits, issuing bonds, absorbing shareholders' investment, etc., in addition to issuing loans to obtain loan interest, the rest is used for investment transactions to obtain investment returns.

Asset business is a kind of business in which banks use funds for wealth management, and it is also a kind of credit business of banks. The asset business of banks mainly refers to the loan business, which can be divided into working capital loans, fixed capital loans and personal consumption loans according to the purpose of loans. Business refers to the activities in which a commercial bank lends or invests the absorbed funds to obtain profits.

At present, our asset business mainly consists of commercial loans.

Bill discounting, ** investment and financial leasing. The main business of a commercial bank includes liability business, asset business and external business.

Asset side: 1) Foreign assets: foreign exchange, currency**, other foreign assets.

2) Claims against **.

Note: Mainly for **** creditor's rights.

3) Regret of claims against other depository companies.

4) Claims against other financial companies.

5) Claims on non-financial sectors.

6) Other assets.

Liabilities: 1) Reserve currency: the issuance of high-dollar currency, deposits of non-financial institutions, deposits of financial companies (including deposits of other depository companies and deposits of other financial companies).

Note: Currency issuance is the outflow of money from ** bank minus the inflow; Deposits of non-financial institutions refer to customer reserve deposits deposited by payment institutions with the People's Bank of China; The deposits of other depository companies are deposits of depository companies or quasi-companies that provide intermediary services such as absorbing deposits, issuing loans, and handling transfer and settlement in addition to ** banks.

2) Deposits of financial companies that are not included in the reserve currency.

3) Issuance of bonds.

Note: For example, the issuance of central bank discount bills.

4) Foreign liabilities.

5) ** Deposit.

Note: Perform ** treasury functions.

6) Own **.

7) Other liabilities.

Commercial bank is a type of bank, it is also through deposits, loans, exchange, savings and other businesses, to undertake a financial institution of credit intermediary, there are many commercial banks in the country, so what are the assets of commercial banks?

1. Commercial loans.

It is a business in which the bank lends the funds it absorbs to customers at a certain interest rate and returns them on a scheduled basis.

2. Bill discounting.

The simple understanding of the acre point is that the commercial bank buys the bills before the payment date according to the customer's requirements.

3. Investment refers to the purchase of valuable business activities.

4. Financial leasing. An informal agreement is entered into between the enterprise and the bank to determine a loan, within which the enterprise can receive loan support from the bank at any time, and the validity period of the limit will generally not exceed 90 days. The interest rate of the loan within the ordinary loan limit is floating and is linked to the bank's preferential interest rate.

In fact, asset business is a kind of business in which banks use funds for financial management, and it is also a kind of bank credit business.