benchmark lending ? what is that ?

do you know if that is the benchmark lending it?
Benchmark is the term by which we mean a set of standards used to evaluate the level of quality or performance. This cab is pulled from the company's own experience or from experiences of other companies. While the interest of reference we refer to the interest rate that banks must pay when they borrow money. Now you would think that banks are not also borrow money from others in the form of the loan? The answer would be yes, banks also borrowed money. Banks must keep some money in reserve. But sometimes it happens that they do not borrow money for short periods of time, say one night, then they have no reserves left, for this they had to borrow money at a certain interest rate. For this reason, banks and mortgage companies try to find people who need a loan and then give them credit, so that banks could obtain money from the loans granted to customers by taking interest. This can be valuable business for the bankers and mortgage companies that provide credit, if there are many customers in the market.