In an option-based model where the bank’s lending and deposit-taking may be two manifestations of one primitive function: the liquidity on demand provision, because the bank often lends via commitments, changes in internal and external governance mechanisms have direct effects on the bank’s optimal interest margin (and thus on the bank’s scale).
若将银行视为具有综效管理的功能;换言之,将银行放款和存款提取视为银行的流动性管理,因为通常藉由承诺放款,而改变内部和外部治理机制,是对银行最适利差有直接影响,且进而影响银行规模。
参考来源 - 公司内外部治理机制与银行利差管理·2,447,543篇论文数据，部分数据来源于NoteExpress
This will further reduce the commercial Banks net interest margin.
这将进一步降低商业银行的净息差收窄。
Microloans, which command higher yields to reflect greater risk, had a 14% net interest margin.
但资产回报率较高也反映出风险较大，小额贷款拥有14%的净利差。
Net interest margin of 4.38 percent, up 11 basis points from prior quarter and up 8 basis points from a year ago.
净利润收益率达到4.38，比前一季度增加11个基点，比去年同期增加8个基点。
应用推荐