银行会试图通过提高费用和贷款利差将成本转嫁到客户身上。
Banks will seek to pass costs on to customers in higher fees and spreads on loans.
作为风险承担补偿金的银行业所获收入(贷款账面上存贷款利差)被算做银行业产值。
Revenues that Banks earn as compensation for risk-bearing - the spread between loan and deposit rates on their loan book - are accounted for as output by the banking sector.
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。
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.
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