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随着我国经济金融改革的逐渐深入,作为限制商业银行承担风险的水平、防范金融风险、衡量金融促进经济发展作用重要的资产负债比例指标之一的贷存款比例,不仅因为贷存款比例的静态性、总量性具有一定局限,更因其内涵与意义发生了巨大变化,已日益不适应形势的需要,亟待加以完善补充或改进修正。
With the gradual deepening of economic and financial reform in our country, the proportion of loan-to-deposit as one of the indicators of asset-liability ratio, which is important for restraining commercial banks from taking risks, preventing financial risks and measuring the role of finance in promoting economic development, not only because of the static nature of loan deposits , The total quantity has some limitations, but also because of its huge changes in meaning and meaning, has increasingly not meet the needs of the situation, urgent need to be improved to supplement or improve the amendment.