日間透支
日間透支
| 中文名詞 | 日間透支 |
|---|---|
| 英文名詞 | Intraday Overdraft |
| 中文解釋 | 日間透支係配合央行同資系統採即時總額清算機制（RTGS，係支付指令被系統接受時立即逐筆清算），為避免因金融機構流動性不足，產生資金互卡現象，影響同資系統RTGS機制運作，因此央行透過日間透支提供金融機構日間流動性需求，使金融同業資金調撥更有效率。金融機構經與央行簽定日間透支契約並於央行業務局辦妥開戶手續者，得以央行認可之擔保品設質給央行後，於營業時間在央行核可額度內由央行墊付日間透支之金額，金融機構需於日間透支償還截止時點前將當日透支金額還清。[1] |
| 英文解釋 | The intra-day overdraft facility was developed to be in tune with the implementation of the real-time gross settlement (RTGS) mechanism within the Central Bank's inter-bank fund transfer system. To prevent the financial institution from liquidity shortageThe intra-day overdraft facility was developed to be in tune with the implementation of the real-time gross settlement (RTGS) mechanism within the Central Bank's inter-bank fund transfer system. To prevent the financial institution from liquidity shortage and thus affect the RTGS, the Central Bank has provided financial institutions with the intra-day overdraft facility. After signing the intra-day overdraft contract and opening an account with the Department of Banking of the Central Bank, a financial institution may apply for intra-day overdrafts with eligible collateral and within the credit line set by the Central Bank, and is required to repay outstanding overdrafts in full on the same business day before the deadline.[1] |