In a sense, this is true. Because banks have absorbed many depositors' low-interest loans. The card in our hand is a debit card. The bank lent us a loan. The current interest rate is very small, with a fixed annual interest rate of about 3%, and then the high interest rate of 7% or even 10% is lent out to earn a spread.

This is the main source of income for banks. As long as the risk is well controlled, it can be said that it is a steady profit. Therefore, at present, the bank's assets are still very safe and high quality. Of course, sometimes banks lend too much and reserves are temporarily insufficient. With interbank lending, the interest rate of lending is relatively high, usually around 5% to 8%.

Bank loans are liabilities. Short-term bank loans (current liabilities). Medium and long-term loans (long-term liabilities).

Loan refers to the financial behavior that the creditor (or lender) transfers the right to use funds to the debtor (or borrower).

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.