The interest rate level and the rate structure unreasonable mainly display in: The interest rate level is in the historical bottom, saves the loan spread to reduce unceasingly.

利率水平和利率结构不合理主要表现在：利率水平处于历史最低点，存贷款利差不断缩小。

youdao

With the rapid spread of the loan crisis, improve efficiency and reduce risk of Banks becoming the two most important issues.

随着次贷危机的迅速蔓延，提高银行效率和降低银行风险成为银行运营中的两个最重要的问题。

youdao

They will spread their payment of the loan out over a long period of time.

他们将用很长时间分期偿还这笔贷款。

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Before the award ceremony, he told reporters that he hopes the Medal of Freedom award will help spread the word about the micro-loan concept.

VOA: standard.2009.08.12

State-owned banks still dominate the financial sector and are kept profitable by a positive spread between loan and deposit rates dictated by government policy.

FORBES: China's Challenge: Balancing the State and Market

The risk of the loan is spread out over lots of investors lending small amounts.

BBC: Lancashire council becomes online lender

High savings (sometimes mandatory), interest rate controls, and high economic growth let Chinese banks enjoy a steady interest rate spread and a larger loan volume.

FORBES: Why are Chinese big banks so profitable?