Kölcsönlikviditást

Kölcsönlikviditást, often translated as borrowed liquidity or loan liquidity, refers to the ability of a financial institution, particularly a bank, to access funds from external sources to meet its short-term obligations. This can include meeting customer withdrawal demands, settling interbank transactions, or fulfilling other immediate cash needs.

These sources of borrowed liquidity can vary. One common method is borrowing from other financial institutions through the interbank market. This can involve overnight loans, repos (repurchase agreements), or other short-term lending facilities. Another significant source is borrowing from the central bank, often through its standing facilities like the discount window. These facilities provide a safety net for banks needing to cover unexpected liquidity shortfalls.

The availability and cost of kölcsönlikviditást are crucial for the stability of the financial system. If a bank cannot readily access sufficient borrowed liquidity, it may face a liquidity crisis, potentially leading to insolvency and a broader impact on the economy. Regulators closely monitor banks' liquidity positions and their access to these funding sources to ensure financial stability. Managing borrowed liquidity effectively is a core function of treasury departments within financial institutions.