最后，外资银行进入可能会降低内资银行的净利息边际(Net Interest Margins，NIM)。从长期来看，外资银行进入会提高转型国家内资银行的效率，降低这些银行的净利息边际。
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The data also show the determinants of city commercial bank’net interest margins is different from the determinants of cross regional bank’net interest margins.
数据还显示,对跨区域商业银行和城市商业银行来说净利差率的决定因素有很大的不同。
参考来源 - 我国商业银行净利差率决定因素的实证研究·2,447,543篇论文数据，部分数据来源于NoteExpress
'Though we haven't seen a distinct deterioration in the quality of Banks' assets, their net interest margins have been narrowing after they peaked in the second quarter.
尽管我们没有发现中资银行的资产质量明显恶化，但它们的净息差自去年第二季度见顶之后就一直在不断缩小。
Though we haven't seen a distinct deterioration in the quality of banks' assets, their net interest margins have been narrowing after they peaked in the second quarter. '
虽然我们还没看到在银行资产方面明显的衰退，但在第二季度净利润幅度达到顶峰后，它们的净利润幅度已经缩小。
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