This article studies the rates between the loans and deposits of commercial banks by empirical model and econometrics model,finding that deposit rates and loan rates co-integrate with the rates between the loans and deposits,deposit rates and loan rates determine the rates between the loans and deposits.
笔者通过理论模型和计量分析对商业银行存贷款比率进行研究,发现存贷款利率和存贷款比率存在协整关系,存款利率和贷款利率是存贷款比率的决定因素;基于存贷款比率与经济增长和金融风险均存在正相关关系,而金融风险对经济增长具有消极作用,模型推导并计算出了最优存贷款比率,并依此提出适当提高贷款利率的政策建议。
The Optimum Rate between the Loans and Deposits:An Empirical Model and Analysis;
商业银行最优存贷款比率:经验模型及实证分析
Hong Kong dollar loan-to-deposit ratio
港元贷款与存款的比率
ratio of advances and loans to deposits
垫款与贷款对存款的比率
Research on Loan-to-value Ratios of Standard Inventory Financing;
标准存货质押融资业务贷款价值比率研究
Lower bank interest rates for savings deposits and loans.
降低银行存贷款利率。
On Loan-to-Value Ratios of Inventory Financing with Doubly Stochastic Poisson Default Processes;
重随机泊松违约概率下库存商品融资业务贷款价值比率研究
The traditional saving - loan interest rate spread is just the spread between the loan rate and saving rate.
传统的存贷利差就是贷款利率和存款利率之间的差额。
Since late April, China's central bank has twice raised benchmark lending rates and bank reserve requirements.
自4月底以来，中国央行已两度上调基准贷款利率和银行存款准备金比率。
The interest rate on loans was lowered in due course. helping reduce the burden of enterprises.
适时下调存贷款利率，减轻了企业负担。
On the Model of the Real Interest Rate of Bank Deposits or Loans;
银行存(贷)款实际利率模型的研究
ratio of receivable to inventories
应收款项对存货的比率
legal reserve requirement
法定存款准备金比率
I understand time certificate of deposit pays a higher rate of interest than regular deposits do.
据说定期存款的利率比一般存款高。
Choice of Information Disclosure Strategy for Commercial Bank s Loan Sale --A Game Analysis based on Core Deposit Ratio;
商业银行贷款出售的信息公布策略选择——基于核心存款比率的博弈分析
After the hikes, the benchmark one-year deposit rate is 3.6 percent while one-year lending rate is 7.02 percent.
一年期存款基准利率和一年期贷款基准利率分别上调至3.6%和7.02%。
The movement of the best lending rate quoted by major banks matched that of the savings deposit rate.
各大银行所报的最优惠贷款利率走势，与储蓄存款利率的变动一致。
The Research of Pushing the Marketization of Interest Rates for Deposits and Loans on in China;
我国推进存贷款利率市场化的问题研究
Credit Risk Decision Model under the Effects of the Default Probability;
存在拖欠还款概率影响的信贷风险决策机制