Banks need to pay interest to depositors to absorb deposits. -Deposit interest? When a bank issues a loan, it charges the lender interest-loan interest? Loan interest > deposit interest. This is certain, certain, certain. ? Loan interest-deposit interest = deposit-loan spread. ? Banks make money by deposit and loan spreads.

The deposit and loan interest rates are different in different years and periods, and there is no fixed multiple. For example, 1 one-year deposit benchmark interest rate 1.75%, one-year loan benchmark interest rate 4.85%, 2.8 times that of loan-to-deposit ratio. The benchmark interest rate for three-year deposits is 3.35%, the benchmark interest rate for three-year loans is 5.25%, and loan-to-deposit ratio 1.6 times.