Ngun: http://www.cfoviet.com WHAT :: Li sut lin ngn hng (Interbank Offered Rate) l g ? Li sut lin ngn hng (li sut qua m) l li sut vay mn ln nhau gia cc ngn hng, thng qua th trng lin ngn hng. T ng "qua m" (Overnight) y khng c g m m c, vn bt ngun t thut ng ting Anh "Overnight Rate". WHEN :: Li sut lin ngn hng c cng b khi no ? Li sut ny lun bin ng ln xung ty thuc thi im trong ngy v kh nng ca mi ngn hng. Cc t chc cng b thng tin (Ngn hng Trung ng, Bloomberg,) s tp hp s liu ca cc ngn hng, tnh ton a ra mt con s bnh qun vo bui sng.

WHO :: 3 ch th chnh ca th trng lin ngn hng ? 1. Ngn hng Trung ng (A) : ng vai tr nh phn phi

2. Ngn hng ln (B) : ng vai tr i l, vi c im : tin d tr di do, th phn ln, c uy tn v danh ting 3. Ngn hng nh (C) : ng vai tr khch hng, vi c im : tin d tr c hn, th phn km, kh huy ng c nhiu tin gi tit kim t ngi dn WHY :: V sao phi i vay lin ngn hng ?

Ngn hng Trung ng (A) hng ngy yu cu cc ngn hng thng mi (B) v (C) phi bo co kt qu kinh doanh trong ngy, c bit l t l d tr bt buc. Nu ngn hng no thm ht d tr bt buc th phi

tm mi cch b vo cho . Vo 1 ngy p tri, Ngn hng nh (C) bt thnh lnh thiu vn (do cho vay qu nhiu), v vy bng mi gi phi vay c mt khon tin ln trong ngn hn (t 1 ngy n 1 tun) b vo nhm gii quyt nhng khon tin n hn, m bo d tr bt buc, hoc cho vay gi khch v tng li nhun.

Nhu cu vay qu cao buc (C) phi vay "nng" t Ngn hng ln (B) vi li sut cao. Li sut trn th trng ny ln xung th cng khng nh hng nhiu n li sut bnh thng.

V d :

Ngy 20.7.2011 : Ngn hng (C) cn phi c 10 t gii ngn cho khch hng. Ngy 21.7.2011 : Ngn hng (C) s nhn 10 t do ngn hng (B) chuyn vo.

Ch cch nhau c 1 ngy, nhng (C) li thiu ht 10 t tr cho khch, v vy nh phi vay (B) "qua m" v hon tr b tr ngay trong ngy hm sau. ng k nhn thng tin mi nht qua Email ti y: http://www.cfoviet.com