... 除了宏观经济前景欠佳之外，花旗也观察到，收益曲线(yield curve)有趋向平坦的趋势，这可能对银行的利息差幅(interest margin)施加压力。
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net interest margin 净息差 ; 净利息收益率
net interest margin securities 息差证券
Net Interest Margin-NIM 会导致银行净利差
margin interest 利差收入
interest rate margin 利率差距
hedge interest rate margin 对利差的套期保值
In an option-based model where the bank’s lending and deposit-taking may be two manifestations of one primitive function: the liquidity on demand provision, because the bank often lends via commitments, changes in internal and external governance mechanisms have direct effects on the bank’s optimal interest margin (and thus on the bank’s scale).
若将银行视为具有综效管理的功能;换言之,将银行放款和存款提取视为银行的流动性管理,因为通常藉由承诺放款,而改变内部和外部治理机制,是对银行最适利差有直接影响,且进而影响银行规模。
参考来源 - 公司内外部治理机制与银行利差管理·2,447,543篇论文数据，部分数据来源于NoteExpress
This is highly profitable business: Banco do Brasil's net interest margin on consumer lending is about 16 per cent, compared with about 6 per cent on business and agribusiness lending.
该业务的利润率非常高：巴西银行消费信贷的净息差约为16%，而工商企业与农业企业贷款的息差则约为6%。
Increasingly important in many countries is the part of the bank's income that comes from fees and commission rather than from the interest margin.
在许多国家中，来自手续费及佣金而不是来自利息差额的那部分银行收入已变得越来越重要。
Using this interest margin for risk-free arbitrage not only avoids financial risk but also takes full advantage of fund value, getting much higher profits than bank deposit rates.
利用国债现券与国债回购之间的利差进行无风险套利，既规避了金融风险，又充分利用了资金的使用价值，其收益远高于同期银行存款利率。
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