But in the long run, small banks appear to be more sensitive to loan-deposit ratio and not sensitive to DRR. 长期条件下,小型银行对存贷比更为敏感,对存款准备金率则较为迟钝。
The empirical results show that: non-performing loan ratio and the efficiency significantly negative correlation, bank loan-deposit ratio and efficiency are related, but the capital adequacy ratio, liquidity ratio did not pass the test of significance. 实证结果表明:不良贷款率与银行效率显著负相关,贷存比与银行效率正相关,而资本充足率、流动性比例没有通过显著性检验。