“ chinese banks make most of their money through their net interest margin , ” said , of china economic quarterly in beijing 来自北京《中国经济季刊》的arthurkroeber说, “中国的银行利润主要来自净利率差。 ”
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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年的整体净息差扩阔,主要是因为资金成本相对偏低,有助抵销贷款息差收窄。
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 到目前为止,由于银行体系资金充裕令资金成本维持在低水平,所以贷款息差收窄对整体净息差的影响得到纾缓。
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,如果银行要倚赖高水平的净息差来图利,不是因为营运成本过高,便是因为资金融通欠效率,甚至是两种情况同时存在。
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,...