术语“股份制银行”的详细信息

英译术语:

joint-stock bank

汉语语境:

股份制银行贷款平均利率较低，源于低利率票据贴现的比重较高和公司贷款的利率较低，这两者意味着股份制银行可能在竞争中采取了比较激进的策略来争取客户。利差收窄背景下各银行纷纷采取的“以量补价”策略，既不能真正解决问题，也不具有可持续性。为此，商业银行应大量发放中小企业贷款，但这可能需要提高对不良贷款的容忍度。

英语语境:

The relatively low loan average interest rate of joint-stock banks is due to the high proportion of low-interest-rate discount notes and the low interest rate of corporate loan, which means that joint-stock banks may take a more radical strategy to compete for customers. In the situation of spread narrowing, banks adopt the "quantity compensating price" policy, which can neither really solve the problem nor have sustainability. Therefore, commercial banks should grant a large number of loans to SMEs (small and medium-sized enterprises), which may require increasing the tolerance of non-performing loans.