银行自有资金是指为银行本身所有；并由银行和支配的那部分资金。自有资金是银行平衡和调节信贷收支的重要手段。 银行自有资金可以用于弥补信贷收支缺口：可用于短期贷款或长期贷款；可用于流动资金贷款或固定资金贷款。
由于华尔街须遵守美国新金融法案，要求禁止自营业务交易，摩根大通即将剥离利用银行自有资金交易的商品交易部。
JPMorgan Chase is to close the commodity unit that trades with the bank's own money as Wall Street moves to comply with new US financial services rules banning proprietary trading.
研究发现如果银行对于质押库存给予的贷款价值比较低，企业只有在自有资金不足的情况下，才会向银行申请贷款。
It comes to the conclusion that in the case that the bank gives the lower loan to value, the retailer will not borrow unless it has no enough initial cash to maintain .
资本充足率是指银行资本(银行所拥有的永久归银行支配使用的自有资金)与全部风险资产的比例。
Capital ratio, defined as bank's own capital over its total risk assets, is one of the important indicators in bank supervision.
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