Interbank Rate

  

Categories: Banking, Credit

See: Interbank.

It's the rate at which one bank lends to another.

Remember that the Fed lends money to banks initially. But they don't do it in one steady flow; in fact, Fed money comes out in waves, like the Sunday morning after New Years when you've had too much to drink.

So banks, finding themselves with more cash than they can loan out to would-be borrowers, ask to offload some of that dough to other banks who might be in more direct need of the dough.

Related or Semi-related Video

Finance: What is LIBOR?21 Views

00:00

Finance allah shmoop what is a lie Boer No it's

00:07

not the result of these two zoo animals Mating lie

00:10

Boer stands for london interbank offering rate And it's basically

00:15

just the british quote fed unquote central bank rate reflecting

00:20

the absolute lowest interest rate at which the british banking

00:23

system well loan money to its best Most well heeled

00:26

customers like you know sainsbury's and bp and barclays and

00:30

the guy who plans royal weddings So library is the

00:33

best or cheapest rate at which the british banking system

00:36

will lend money Most loans come at some premium to

00:40

lie before i risk your loans might come in something

00:42

like on a live or plus fifty basis points or

00:45

something like that so that if lie boris currently quoted

00:48

at two point two five percent interest well then the

00:50

lie bore plus fifty loan would be loaned out at

00:53

two point seven five percent interest And libras important has

00:57

been around forever and much of the world uses it

00:59

as thie pegging number two then add some risk percentage

01:03

on top of it when they quote loans to whoever

01:06

they're loaning money to That's basically it No need for 00:01:08.819 --> [endTime] any wild animals teo you know get wild

Up Next

Finance: What is a Broker-Dealer?
16 Views

What is a Broker-Dealer? A broker-dealer trades for both its own account and for the accounts of its clients. It acts as a broker when it buys and...

Finance: What is Electronic Communication Network (ECN)?
12 Views

What is Electronic Communication Network (ECN)? In order to facilitate the exponential increase of trading volume in the markets, any financial ins...

Find other enlightening terms in Shmoop Finance Genius Bar(f)