存贷差

表现为不断迅速增长的巨额的存贷差、M2与M1的持续背离、超额存款准备金的高企和货币市场利率的低位运行。

The performances is that large variance growths rapidly between saves and loans . M2 and M1 continually deviation , excess reserve of banks has a high level and money market interest rate has a low level .

存贷差和外汇占款以及M2与M1差额的不断拉大等都不是流动性过剩的直接成因，而是由于货币政策没有及时对经济发展出现的变化作出反应造成的。

Rather than difference between deposits and loans , occupying foreign exchange , or increasing gap between M2 and M1 , it is the direct source for Chinese liquidity surplus that monetary policy did not react in time to the changing economic situations .

银行存贷差的一个数学模型

A Mathematical Model about Difference of Deposit and Loan by Bank

农村合作金融机构作为金融体系中的重要组成部分，其业务主要以传统的吸收存款和发放贷款为主，存贷差成为了农村合作金融机构的最主要的利润来源。

As an important part of the financial system , rural cooperative financial institutions are mainly in deposits and loans .

国内顾客似乎对其设计的各类创新性金融产品不感兴趣，存贷差仍然是其最主要的利润来源。

Domestic customers seems like to be uninterested in these innovative financial products , the loan is still the main profit source .

公司金融综合服务以其跨传统专业条线、改变传统存贷差盈利模式的优势必将成为商业银行新的利润增长点。

Integrative corporate finance services which are famous for new organization structure and profit model would be the new profit growth point of commercial banks .

企业在难以得到银行贷款的同时，银行的存贷差却不断增加。

While it is very difficult for the enterprises to gain loans from the banks , the gap between the deposit and loan of the banks is deeper .

在存贷差空间不断压缩以及企业逐渐减少依赖银行融资的趋势下，商业银行正需要不断地寻找新兴的业务，开拓新的利润增长点。

Trend of deposits and poor space compression and enterprises gradually reduce the reliance on bank financing , commercial banks are constantly looking for new business , develop new profit growth point .

2000年以来，我国金融机构存贷差持续扩大，商业银行超额存款准备金长期高企，商业银行流动性资产过剩问题开始凸显。

Since 2000 , the loan-deposit gap of Chinese financial institutions has been enlarged continuously , and the amount of commercial banks ' excessive reserve assets is also maintained on a relative high level .

我国商业银行存贷差问题是1994年以后开始出现，1999年突破1万亿元，以后以每年1万亿元的速度递增。

Since 1994 , our commercial banks began to have the problem about deposit and lending poor . In 1999,100 million yuan , after that , it steadily increased at a rate of 1 trillion yuan each year .

在这次危急中，商业银行成了最大的受害者，特别是中小型的城市商业银行，原本巨大的存贷差已经被压缩的所剩无几，而其中间业务收入又远不如国有商业银行。

In this crisis , the commercial banks to become the greatest victims , in particular small and medium sized city commercial banks , savings and loan was originally a huge difference has been compressed depleted , which are far less revenue between the state-owned commercial banks .

特别值得注意的是，我国存贷差扩大应该归因于金融深化进程的减缓，而不是金融深化进程加速所带来的金融资产和负债业务多元化的结果。

What is particularly noticeable is that the expanding deposit balance of banking system in China is to some extent due to the slow course of financial deepening in China , but not the diversification of financial assets and liability services brought about by the course of financial deepening .

利率市场化将侵蚀此前坚如磐石的存贷息差，与此同时，2009年为摆脱危机而掀起的放贷狂潮的失误，将体现于不断增加的不良贷款。

Liberalising interest rates will eat into previously rock-steady margins while the mistakes of the 2009 crisis-solving lending boom will show up in rising bad loans .

它们进军银行业的愿望不难理解：得益于中国利率管制导致的可观存贷息差，银行业的利润十分丰厚。

Their desire to break into banking is hardly mysterious : the business is hugely lucrative thanks to fat lending margins as a result of controlled interest rates .

放开存款利率和不再设置固定的存贷息差，将为储户带来更高的回报，并鼓励银行提高放贷效率。

Freeing up deposit rates and abandoning the fixed spread between deposit and loan rates would result in better returns for depositors and encourage banks to sharpen their lending practices .

银行的存贷息差显著扩大；要求提供的贷款抵押品数量大幅增加；对贷款进行分期偿还变得困难得多；而且，收费标准也提高了。

The interest margin that banks charge has risen steeply ; the security they require for loans has increased very materially ; the amortisation of any facility is much more onerous ; and fees are bigger .

泗洪农村合作银行作为2005年全省第一家由农村信用社成功改制为农村合作银行的金融机构，信贷资产占银行总资产的90%以上，银行利润近90%来自于存贷息差。

Sihong rural cooperative banks , as the first rural cooperative bank successfully changing from rural credit cooperatives in Jiangsu Province in 2005 , having 90 % of profits is from the interest rate differential between deposit and lending .

由于大部分利润来自于政府制定的存贷款息差，银行有充分的动机尽可能多地放贷&它们心里清楚，政府随时会向自己伸出援手。

Since the bulk of profits comes from the spread between state-decreed lending and borrowing rates , they have a perverse incentive to lend as much they can , safe in the knowledge that the state stands ready to catch them .