Interest spreads between deposits and loans rest on probability of default (PD), loss at given default (LGD), liquidity, ratio of capital cushion to credit assets (RCCCA), and short interests.

• 摘要存贷款利差合理水平取决于违约率、损失率、流动性风险、资本缓冲与信贷类资产的比率，以及无风险基准利率。