The part of the balance sheet for assets the bank plans to hold, such as ordinary loans. They are harder to sell, so they require more capital.
银行账簿
| Move变动 | Where it appeared出现位置 | What it means这句话在说什么 |
|---|---|---|
| £15bn | Bank of England examines Barclays over private credit trades 银行账簿 · 第 5 张术语卡 | Barclays says the vast majority of its £15 billion private credit exposure sits here, not in the trading book. 同一笔贷款放在哪本账，资本占用可能差好几倍。这也是为什么监管反复强调「实质重于形式」：不能靠改记账位置来降低资本，除非能证明风险真的转移了（比如有真实的对冲、有可执行的抵押品）。 |