American banks ' average net interest margin ? the spread between what they pay depositors and charge borrowers ? has fallen to its lowest level since 1991 as banks scramble to reduce their reliance on fickle wholesale markets by raising the rates they offer to depositors 为了尽量摆脱对动荡的批发市场的依赖而采取提高向存款人支付利息的做法,使美国银行的平均净利差(所支付存款人的与所收取借款人的之间的差)降到了1991年以来的最低水平。
As the hkma has emphasised on a number of occasions , the deregulation of interest rates will entail not only opportunities but also challenges for the hong kong banking industry . banking competition may intensify after the change and the net interest margin could be affected by a rise in funding costs 正如金管局曾多次强调,撤销利率管制不仅会为银行业带来机会,亦会带来挑战。银行业的竞争可能会加剧,净息差也可能会因为资金成本上涨而受到影响。
This would have to be done through an increase in prime that is larger than that of their competitors with a relatively bigger deposit base and less dependent on interbank funding , affecting other prime - based lending and possibly the banks competitive position . alternatively , they face a compression of their net interest margin and profitability 它们若要调高按揭息率,其最优惠利率上调的幅度便要大过存款基础较大及较少倚赖银行同业拆借资金的竞争对手,以致影响其他以最优惠利率为基础的贷款业务,甚至削弱银行的竞争能力。
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,...