而新的准备金计提政策规定，银行仅仅只用按房贷价值和70%的房产市值之间的差额来计提准备金。
Under the new rules, they only have to allow for the difference between the value of the loan and 70% of the property's market value.
而且，银行准备金的增加并不一定伴随着基于规定的准备金与存款比例的理论潜力的货币的增加。
Moreover, a given increase in bank reserves is not necessarily accompanied byan expansion in money equal to the theoretical potential based on the requiredratio of reserves to deposits.
据《广州日报》报道，临近岁末，放贷过度的银行为达到规定的存款准备金率不得不向居民揽存款"冲任务"。
Stressed by the Central Bank's reserve ratio, cash-ridden local banks and their brokers lure deposits by offering cash rewards, the Guangzhou Daily reported.
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