“ chinese banks make most of their money through their net interest margin , ” said , of china economic quarterly in beijing 來自北京《中國經(jīng)濟季刊》的arthurkroeber說, “中國的銀行利潤主要來自凈利率差。 ”
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The overall net interest margin for 2000 widened , largely owing to relatively low funding costs , which helped to offset the contraction in lending margins 2000年的整體凈息差擴闊,主要是因為資金成本相對偏低,有助抵銷貸款息差收窄。
So far , the effect of this on the overall net interest margin has been mitigated by the fact that ample liquidity has kept funding costs low 到目前為止,由于銀行體系資金充裕令資金成本維持在低水平,所以貸款息差收窄對整體凈息差的影響得到紓緩。
But having to rely on a wide net interest margin is an indication of either high operating costs or inefficient intermediation of funds , or both 然而,如果銀行要倚賴高水平的凈息差來圖利,不是因為營運成本過高,便是因為資金融通欠效率,甚至是兩種情況同時存在。
Net interest margin (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. It is similar to the gross margin of non-financial companies.
net interest marginとは意味:純利子差益 net interest margin meaning:[Business] noun [U,C] (abbr NIM ) ( Accounting ) the difference between the amount of interest paid on money borrowed and the amount of interest received from money that has been lent,...