The Bank of Spain maintains that the net effect on the system will be neutral since it is also tightening rules for bad consumer loans.

西班牙银行认为，此举对于体制的净效应是中立的，因为它同时也限制了不良消费者贷款政策。

youdao

Last week Santander reported a 21% increase in first-quarter net profits to EURO 1.8 billion largely on the back of a strong expansion in loans and services fees in Europe and Latin America.

上周，Santander称其第一季度的纯利润达到了18亿欧元，同期增长了21个百分点。 据报道，它将这一可喜变化主要归功于其在欧洲和拉丁美洲强大的贷款和服务费用的支撑。

youdao

Banks' net interest margin 7 - which measures the difference between what lenders pay for deposits and what they collect on loans - fell to the lowest on record in the second quarter at 2.27 per cent.

银行的净息差(银行为存款支付的利率和它们对贷款收取的利率之差)在第二季度降至2.27%的创纪录低点。

youdao

Importantly, the measure of whether banks are increasing their net lending will be the sum of their respective lending to big businesses, mortgage lending to households, lending to non-bank providers of credit such as leasing and factoring companies and mortgage corporations, and either 10 or five times net loans to small enterprises.

BBC: Is cheap credit for small businesses the answer?

This was double the amount lent to them before the collapse of Lehman Brothers in September 2008 and 16.5% of net eurozone loans offered by the central bank.

FORBES: Spain Not Out Of The Woods

And, as you would expect, Italian and Spanish banks took about 60% of all the net new loans from the ECB, with Spain's overstretched banks taking marginally more than Italy's.

BBC: Could the euro survive a Greek exit?