什么是存贷比？

中文版

存贷比，即存款与贷款的比率，是金融机构用于衡量其流动性风险的重要指标。简单来说，存贷比就是银行吸收的存款与其发放的贷款之间的比例。这个比例越高，意味着银行有更多的存款作为后盾来支持其贷款业务，从而降低了流动性风险。

在中国，存贷比受到严格的监管。根据相关规定，商业银行的存贷比不得超过75%，这是为了确保银行有足够的流动性来应对可能的风险。如果银行的存贷比过高，可能会面临资金流动性不足的问题，一旦遭遇大量客户提取存款或贷款违约等突发事件，银行可能会陷入资金困境。

然而，存贷比并非越低越好。过低的存贷比可能意味着银行在贷款方面的业务规模过小，无法充分利用其资源，进而影响银行的盈利能力。因此，银行需要在保证流动性的同时，合理控制存贷比，以实现风险与收益的平衡。

英文版

What is the Loan-to-Deposit Ratio?

The loan-to-deposit ratio, or LTD ratio, is a crucial metric used by financial institutions to assess their liquidity risk. Put simply, the LTD ratio represents the proportion between the deposits absorbed by a bank and the loans it disburses. A higher LTD ratio indicates that the bank has a larger deposit base to support its lending activities, thus reducing liquidity risk.

In China, the LTD ratio is strictly regulated. According to relevant regulations, the LTD ratio of commercial banks must not exceed 75%, to ensure that banks maintain sufficient liquidity to cope with potential risks. If a bank's LTD ratio is too high, it may face issues with insufficient liquidity. In the event of突发事件 such as a large number of customers withdrawing their deposits or loan defaults, the bank could find itself in a financial predicament.

However, a low LTD ratio is not always ideal. An excessively low ratio may suggest that the bank's lending business is too small, preventing it from fully utilizing its resources and potentially affecting its profitability. Therefore, banks need to strike a balance between ensuring liquidity and reasonably controlling the LTD ratio to achieve a harmonious balance between risk and reward.