「证券配资」[股票怎么了]分析区分资产业务和负债业务的四种

摘[zhai]要[yao]： 银[yin]行[xing]基[ji]本[ben]分[fen]为[wei]三[san]大[da]业[ye]务[wu]，今[jin]天[tian]来[lai]说[shuo]一[yi]下[xia]资[zi]产[chan]和[he]负[fu]债[zhai]业[ye]务[wu]，两[liang]种[zhong]业[ye]务[wu]都[du]是[shi]为[wei]了[liao]从[cong]中[zhong]获[huo]取[qu]利[li]润[run]，不[bu]管[guan]所[suo]用[yong]的[de]资[zi]金[jin]是[shi]自[zi]有[you]的[de]还[huai]是[shi]来[lai]自[zi]债[zhai]务[wu]，其[qi]根[gen]本[ben]目[mu]的[de]都[du]是[shi]为[wei]了[liao]赚[zhuan]钱[qian]，但[dan]也[ye]是[shi]有[you]区[qu]别[bie]的[de]，今[jin]天[tian]就[jiu]来[lai]说[shuo]一[yi]下[xia]区[qu]分[fen]资[zi]产[chan]业[ye]务[wu]和[he]负[fu]债[zhai]业[ye]务[wu]的[de]四[si]种[zhong]方[fang]式[shi]。接[jie]下[xia]来[lai]为[wei]大[da]家[jia]介[jie]绍[shao]"[股[gu]票[piao]怎[zen]么[me]了[liao]]分[fen]析[xi]区[qu]分[fen]资[zi]产[chan]业[ye]务[wu]和[he]负[fu]债[zhai]业[ye]务[wu]的[de]四[si]种[zhong]方[fang]式[shi]"弄[long]不[bu]懂[dong]的[de]来[lai]认[ren]识[shi]一[yi]下[xia]吧[ba]
区[qu]分[fen]资[zi]产[chan]业[ye]务[wu]和[he]负[fu]债[zhai]业[ye]务[wu]的[de]四[si]种[zhong]方[fang]式[shi]

　　银[yin]行[xing]基[ji]本[ben]分[fen]为[wei]三[san]大[da]业[ye]务[wu]，今[jin]天[tian]来[lai]说[shuo]一[yi]下[xia]资[zi]产[chan]和[he]负[fu]债[zhai]业[ye]务[wu]，两[liang]种[zhong]业[ye]务[wu]都[du]是[shi]为[wei]了[liao]从[cong]中[zhong]获[huo]取[qu]利[li]润[run]，不[bu]管[guan]所[suo]用[yong]的[de]资[zi]金[jin]是[shi]自[zi]有[you]的[de]还[huai]是[shi]来[lai]自[zi]债[zhai]务[wu]，其[qi]根[gen]本[ben]目[mu]的[de]都[du]是[shi]为[wei]了[liao]赚[zhuan]钱[qian]，但[dan]也[ye]是[shi]有[you]区[qu]别[bie]的[de]，今[jin]天[tian]就[jiu]来[lai]说[shuo]一[yi]下[xia]区[qu]分[fen]资[zi]产[chan]业[ye]务[wu]和[he]负[fu]债[zhai]业[ye]务[wu]的[de]四[si]种[zhong]方[fang]式[shi]。

　　一[yi]、从[cong]定[ding]义[yi]上[shang]区[qu]分[fen]

　　资[zi]产[chan]业[ye]务[wu]：是[shi]指[zhi]商[shang]业[ye]银[yin]行[xing]利[li]用[yong]资[zi]金[jin]，的[de]业[ye]务[wu]即[ji]商[shang]业[ye]银[yin]行[xing]借[jie]给[gei]或[huo]投[tou]资[zi]资[zi]金[jin]的[de]活[huo]动[dong]它[ta]吸[xi]收[shou]来[lai]赚[zhuan]取[qu]收[shou]入[ru]。商[shang]业[ye]银[yin]行[xing]的[de]盈[ying]利[li]能[nen]力[li]在[zai]很[hen]大[da]程[cheng]度[du]上[shang]取[qu]决[jue]于[yu]资[zi]金[jin]申[shen]请[qing]的[de]结[jie]果[guo]

　　负[fu]债[zhai]业[ye]务[wu]：是[shi]银[yin]行[xing]形[xing]成[cheng]其[qi]资[zi]产[chan]的[de]业[ye]务[wu]。银[yin]行[xing]的[de]一[yi]种[zhong]信[xin]贷[dai]业[ye]务[wu]。在[zai]西[xi]方[fang]国[guo]家[jia]，负[fu]债[zhai]包[bao]括[kuo]自[zi]有[you]资[zi]本[ben]和[he]国[guo]外[wai]资[zi]金[jin]。根[gen]据[ju]其[qi]组[zu]织[zhi]形[xing]式[shi]，银[yin]行[xing]自[zi]有[you]资[zi]本[ben]可[ke]以[yi]是[shi]个[ge]人[ren]资[zi]本[ben]、合[he]伙[huo]资[zi]本[ben]或[huo]股[gu]份[fen]资[zi]本[ben]；外[wai]国[guo]资[zi]金[jin]主[zhu]要[yao]是[shi]存[cun]款[kuan]。存[cun]款[kuan]一[yi]般[ban]分[fen]为[wei]定[ding]期[qi]存[cun]款[kuan]和[he]活[huo]期[qi]存[cun]款[kuan]。此[ci]外[wai]，外[wai]国[guo]资[zi]金[jin]还[huai]包[bao]括[kuo]从[cong]占[zhan]领[ling]资[zi]金[jin]的[de]其[qi]他[ta]银[yin]行[xing]或[huo]银[yin]行[xing]，中[zhong]部[bu]借[jie]用[yong]资[zi]金[jin]进[jin]行[xing]银[yin]行[xing]间[jian]交[jiao]易[yi]，以[yi]及[ji]在[zai]开[kai]展[zhan]中[zhong]间[jian]业[ye]务[wu]时[shi]临[lin]时[shi]占[zhan]领[ling]资[zi]金[jin]。银[yin]行[xing]自[zi]有[you]资[zi]本[ben]和[he]吸[xi]收[shou]的[de]外[wai]国[guo]资[zi]金[jin]之[zhi]间[jian]应[ying]该[gai]有[you]一[yi]定[ding]的[de]比[bi]例[li]。一[yi]般[ban]来[lai]说[shuo]，它[ta]是[shi]基[ji]于[yu]自[zi]己[ji]的[de]资[zi]本[ben]，试[shi]图[tu]吸[xi]收[shou]更[geng]多[duo]的[de]外[wai]国[guo]资[zi]金[jin]

　　二[er]、从[cong]资[zi]金[jin]来[lai]源[yuan]区[qu]分[fen]

　　资[zi]产[chan]业[ye]务[wu]：资[zi]产[chan]业[ye]务[wu]就[jiu]是[shi]用[yong]自[zi]己[ji]的[de]钱[qian]，也[ye]就[jiu]是[shi]公[gong]司[si]自[zi]己[ji]的[de]钱[qian]或[huo]者[zhe]公[gong]司[si]股[gu]东[dong]的[de]钱[qian]来[lai]升[sheng]值[zhi]。

　　负[fu]债[zhai]业[ye]务[wu]：负[fu]债[zhai]业[ye]务[wu]的[de]来[lai]源[yuan]是[shi]获[huo]得[de]贷[dai]款[kuan]等[deng]。也[ye]就[jiu]是[shi]说[shuo]，这[zhe]些[xie]资[zi]金[jin]是[shi]有[you]偿[chang]的[de]，需[xu]要[yao]定[ding]期[qi]支[zhi]付[fu]利[li]息[xi]。