Bank of China's net interest margin dropped 13 basis points to 2.63 per cent. 中行的净息差(NIM)下降了13个基点,至2.63%。
It finds out that the entry of foreign banks is negatively related with the before tax profit and overhead of domestic banks, while positively with net interest margin and non-loan income, and has bigger impact on stock holding commercial banks. 结果发现,外资银行进入与国内银行的税前利润和管理费用负相关,而与净利息收益和非货款收益却正相关,且外资银行进入对股份制商业银行的冲击更大。
China caps the deposit rates that banks can offer well below lending rates, giving them a handsome net interest margin as a guaranteed source of profit. 根据监管部门的规定,商业银行的存款利率要比贷款利率低很多,这让它们获得了相当可观的净利差,掌控了一种有保障的利润来源。
An Empirical Analysis on Determination Factors of Net Interest Margin(NIM) of Chinese Commercial Banks 对中国商业银行净利差决定因素的实证分析
The contraction in their net interest margin, the gap between their cost of funds and the rate at which they deploy them, underscores a larger problem in the American economy. 净利润率的紧缩,基金成本和收益差额的放大都强调出美国经济中一个大问题。