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。
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
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。
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。
ADB Lowers Lending Rates for US Dollar and Multicurrency Loans
亚行调低美元贷款和多币种贷款利率
Effects and Risks of the Order Arrangement for Market-oriented Interest Rates of Depository and Loan;
存贷款利率市场化次序安排的有效性与风险性
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。
ratio of receivable to inventories
应收款项对存货的比率
Lower bank interest rates for savings deposits and loans.
降低银行存贷款利率。
So far, the two participating banks have approved 320 loans involving HK$484 million.
至今叁与该计划的两家银行已批出三百二十宗贷款，涉及贷款总额四亿八千四百万港元。
Student loans in Hong Kong: a perspective of loans agency;
香港地区学生贷款:贷款机构的视角
The comparative analysis of reverse mortgage and traditional mortgage;
住房反向抵押贷款与传统抵押贷款的对比分析
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
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
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
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
sales to receivable ratio
销货与应收帐款的比率
Pricing a credit loan in the case of the interest rate process being correlated with the default process;
利率与违约过程相关的信用贷款定价