尽管它们与任何价值创造无甚关系，但它们同样稀少、难以复制且不可替代。
Although they have little relationship with any value creation, but they are also rare, difficult to duplicate and can not be replaced.
但是，流动性和收益性之间存在着替代性的关系，通过无差异曲线的分析说明银行为了保证效用最大化，必须在流动性和收益性之间选择一个均衡点。
However, as the substitutable relationship between liquidity and profitability, the bank should choose a equilibrium point so as to maximize profit, which is analyzed by indifference curve.
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