Difference between personal loan interest rate and loan-to-deposit ratio

The measurement content is different with different backgrounds.

1, with different use backgrounds: the personal loan ratio is mainly used to measure the personal loan scale of a bank and its contribution to the bank's operation, and the loan-to-deposit ratio is mainly used to evaluate the bank's balance sheet and capital operation efficiency.

2. The calculation content is different: the personal loan ratio mainly focuses on the proportion and discount rate of the bank's personal credit business scale, while the loan-to-deposit ratio analyzes the bank's balance of assets and liabilities and the efficiency of capital utilization.

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