Banks with higher idiosyncratic volatility recorded lower deposit loan ratio, which reflects the effectiveness of internal governance of commercial Banks.

银行股价的非系统性波动与银行的存贷比具有显著的负相关关系，这也反映出银行内部治理的效果。

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The deposit avouchment can't be applied to loan contract.

存款凭证不能应用于贷款合同。

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The interest rates in currency swaps can also be decided by the two parties, though they must be in line with the central bank's rules on deposit and loan rates, SAFE said.

外管局在声明中还指出，对于货币掉期的利率，可在符合央行关于存贷款利率规定的前提下，有交易双方自行协商决定。

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It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.

银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低

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Kroll's software had to synch not only with banks' mainframes but also with programs run by intermediaries--such as Harland Financial Services and FIS--that track deposit and loan data and integrate them with banks' general ledgers.

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In a perfect credit market, the spread between these two rates, the deposit and the loan rate, would be wafer thin.

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Borrowers can lower their interest rate by asking lenders to purchase certificates of deposit against their loan for rates of 4.25% or below, and credit unions guarantee the CDs.

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