短期的按日计息的借贷称拆借。短期拆借市场是银行之间或银行与金融市场证券经纪人之间短期资金融通的市场,包括银行同业拆借,银行向证券经纪人贷款等。短期拆借市场的特点是:融资期限极短;融资目的主要是为了调拨头寸,弥补暂时资金不足;拆借双方都是金融机构,或一方是金融机构,一方是专门从事金融活动的证券经纪人;拆借利息由拆借双方议定,一日一定,变化快;拆借资金流动性强,如通知放款可由贷款人随时收回,也可由借款人随时偿还。旧中国短期拆借市场是金融市场中较为发达的 Short-term interest-bearing borrowings are called lending. The short-term lending market is a market for short-term financing between banks or securities brokers in the banking and financial markets, including interbank lending, and bank loans to securities brokers. The characteristics of the short-term lending market are: the financing period is extremely short; the purpose of financing is mainly to allocate positions to make up for lack of temporary funds; the lending parties are all financial institutions, or one is a financial institution, and one is a securities broker specialized in financial activities; The interest is negotiated between the borrower and the borrower. It must be on one day, and the change is fast. The liquidity of the borrowing fund is strong. If the lender can be withdrawn at any time, it can be repaid by the borrower at any time. The old China short-term lending market is more developed in the financial market