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FAQ

What is a bank loan?

&Nbsp;   Bank loan: refers to the amount of bank loans divided by the ratio of the total deposits, earnings from the Bank's perspective, LDR is the higher the better, because deposits pay interest, if a bank's deposits a lot of loans rarely, means that its high cost, income, the Bank's profitability is poor. At present, many banks in order to improve profitability, will try to improve the loan. But from Bank resistance risk of angle,, loan proportion should not be high, because Bank except to for user provides daily of cash drawn and daily settlement, also need left has must of inventory cash deposits reserves (is Bank in Central people Bank or commercial banks of deposits), if loan than high, on will for deposits reserves insufficient and led to Bank paid crisis, paid crisis serious words, also may led to financial crisis, on area or national economic of against great. If banks fail due to the payments crisis (of course, our country did not occur in such cases, foreign banks that were common) and can also damage the interests of the depositors. So the higher bank loan is not good. Loan monitoring is an important means to guard against liquidity risk. Most of the enterprises have closed down and direct reason is lack of liquidity. This applies not only to common enterprise, also apply to the Bank. To prevent excessive expansion, currently the Central Bank requires commercial banks the loan with the highest ratio of 75%. Banking loan closer 75% of the time, tend to tighten lending, increased deposits to control deposit-loan ratio.

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