The capital pool below specific type of role seeing silver is in what condition.
Current domestic bank basically has pattern of 3 kinds of profit, one kind is the money that earns breath difference, namely of interest rate low buy sell high, 3% buy, 6% sell piece, the accrual difference among is accrual. Receive a structure to look from the battalion of the bank, the interest net income of instantly is occupied probably 70% what compare bank gross earnings, city commercial firm and farming this takes trading company comparing is to be as high as more 80% with 90% , level of far outclass international.
Be bank collection next trade poundage, commission income, sell goods on a commission basis income, investment income, occupy than be probably 30% .
Among them, the bank is in the income of interest of = of interest net income of some paragraph of period - during interest expenses = average haunt only interest of X of asset remaining sum is poor;
Income of interest of only interest poor = / during average haunt asset remaining sum - interest expenses / during average haunt asset remaining sum;
That is to say, the cost taking money when the bank is lower perhaps put money when cost is higher, the interest poor income of the bank is highest. And to the bank, relative to the accrual at loan, saving half an year mixes a year, cease 3 years with 5 annual interest about the same, the time of deposit is longer, the operation cost among is lower, of the bank trim profit taller.
It is to put 5 likewise 100 million and borrow 5 100 million, the amount of interest rate, the accident of deadline, also be to decide the bank prefers which main factor.
The condition that is in a balance in the capital pool of the bank is above below. In certain time paragraph, the bank also can undertake accepting or reject according to his demand, for instance occurrence capital is in short supply, when loan is exuberant, deposit 5 pay of 100 million borrow money with respect to can apparent prep above the client of 500 million. When be being assessed like bank quarter, deposit 5 hundred million the Immanuel that can become a subbranch of a bank.
Appear for instance again financing is abundant, but when loan demand is dispirited, loan it is far good that 5 pays of 100 million are met at deposit 500 million.
