解决旗人生计是清代前期旗务的核心问题之一。自康熙皇帝开始清代诸帝均采取了一些改善旗人生计经济措施，其中最成功的制度是雍正元年开始实施的生息银两政策。另一方面，内务府为了增加内库收入，将内库银两借贷给商人等。生息银两政策与内库银借贷二者既有明显区别，又有联系。本文通过分析内务府管理下的生息银两的运作方式，梳理内库银借贷的具体过程，明确二者之间的关系。

To solve the means of livelihood of Bannerman is an essential problem for Banner affairs in earlier stage in Qing Dynasty. Since Kangxi Emperor, the following emperors in reign all adopt economic measures to ameliorate the situation. And one of most successful measures is the system of "Sliver Currency (Tael Currency)for Interests" implied from the first year of Yongzheng reign. On the other hand, in order to increase the incomes of imperial treasury, Nei-wu-fu also debits silver currency to merchants and so on. The system of "Silver Currency" is evidently different from debit of imperial treasury as well as the two relate to each other. By analyzing the operation of silver currency which to the Nei-wu-fu and explicating the procedures of debit of imperial treasury, author makes a definite relationship between the two systems.