Loan-to-deposit Ratio 存贷比

2014-08-15 13:14:20 来源：华夏经济网作者：朱丽梅分享：

Loan-to-deposit Ratio 存贷比
The loan-to-deposit ratio measures the proportion of a bank’s outstanding loans to its deposits. China’s central bank uses the ratio to regulate money supply and ensure banks have enough cash in reserve to deal with an unexpected surge in withdrawals. The ceiling on the loan-to-deposit ratio is set by law at 75 percent, meaning that banks cannot lend more than three-quarters of their deposits out. Critics have argued that the restriction creates more problems than it solves, but the regulator has stuck to it. However, it recently decided to adjust the way the ratio is calculated by broadening the scope of deposits to include other types of funds. This could encourage banks to lend more and ease capital pressure on companies, the regulator says.
存贷比指的是商业银行存款总额除以存款总额的比例。中国央行操纵这个比值掌握货泉的投放力度和保证银行有足够的流动资产以备存款激增等不时之需。《商业银行法》划定，存贷比不得超越75%，也就是说，国际银行采用的存款，最多只能有四分之三用于发放存款。存贷比的要求耐久以来广受诟病，良多人认为它弊大于利，但银监会一直保持75%的红线不放松。不外它比来暗示，存贷比的合计法则可以过度调剂，把一些斗劲不变的存款来历归入分母的合计中。这样可以鼓动勉励银行加大存款，减缓企业的融资坚苦。
Loan-to-deposit ratio in the news
Experts disagree over what types of funds will be treated as deposits for figuring the loan-to-deposit ratio after the banking regulator said the calculation rules would be changed. Most say interbank deposits for non-settlement purposes will be included, but others argue interbank deposits for settlements and certificates of deposit will be added.

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