Interest spread is an important concept in banking business, which refers to the interest rate difference between loans and deposits. Generally speaking, it is the difference between the interest charged by the bank for borrowing money and the interest paid by saving money. This difference is one of the sources of income for banks and an important indicator to measure their profitability.

The spread of banks is not fixed, it is influenced by many factors such as market supply and demand, policy changes and economic situation. For example, during the economic boom, when the market demand increases, banks can raise the loan interest rate and keep the deposit interest rate low, thus improving the bank's profit level. During the economic downturn, banks may adopt the opposite strategy, in order to attract more deposits, reduce deposit interest rates and tighten lending policies to reduce risks.

Bank spreads also have an important impact on individuals and enterprises. When choosing a bank, we should not only consider the deposit interest rate, but also pay attention to other expenses such as the loan interest rate, so as to reduce the loss of bank spreads. For enterprises and investors, we should choose the loan interest rate reasonably according to the market situation, and pay attention to maintaining our own credit rating in order to obtain a lower loan interest rate.