This would have to be done through an increase in prime that is larger than that of their competitors with a relatively bigger deposit base and less dependent on interbank funding , affecting other prime - based lending and possibly the banks competitive position . alternatively , they face a compression of their net interest margin and profitability 它们若要调高按揭息率，其最优惠利率上调的幅度便要大过存款基础较大及较少倚赖银行同业拆借资金的竞争对手，以致影响其他以最优惠利率为基础的贷款业务，甚至削弱银行的竞争能力。
While the " divisible by nine " rule applies to renminbi deposits and loans , it does not affect how interest rates are determined for interbank borrowing and foreign currency deposits . but this minor inconsistency is definitely not a matter of earth - shaking importance that warrants eliminating the rule 被9整除的规则只适用于人民币存款及贷款的利率，它并没有影响到银行同业拆借及外币存款，但这样的差别其实没有甚么大不了，就像中文用万而不像英文般用千来表达数字而已。
Rmb deposit and loan interest rate float block expands gradually , and progressively move towards marketization day by day . part iii : on the basis of using the experience and lessons of the change of interest rate in other countries for reference in course of the interest rate marketization , it is believed that there should be a course of raising up slightly in the interest rate in the early stage . but the market fluctuations it causes will not be too much ; according to actual operation result and a medium or long term of the reform , foreign currency interest rate has already drawn close to international interest rate competence progressively ; viewed from a short time , rmb loan interest rate total competence will tend towards dropping , some loan interest rate may rise ; the interest rate of the deposit will raise up unilaterally 总体而言，发展中国家的存贷利差要高于发达国家；第二部分：在总结前几年利率改革包括市场化改革的基础上，认为，迄今为止，我国利率市场化改革的程度总体上还比较低：同业拆借利率、货币市场债券回购利率、现券交易利率、外币贷款利率、大额外币存款利率等已完全市场化或基本市场化，人民币存贷款利率的浮动区间已逐渐扩大，并已渐进的方式日益走向市场化；第三部分：在借鉴境外利率市场化过程中利率变动的经验教训的基础上，认为在我国利率市场化的初期，利率应该有一小幅上扬的过程，但是其造成的市场波动应该不会太大；从改革的实际运作结果和中长期来看，外币利率已经逐步的向国际利率水平靠拢；从短期来看，人民币贷款利率总水平将趋于下降，部分贷款利率有可能上升，存款利率将会单边上扬。
For example , there is a difference between public operation and private operation and a difference between compulsive insurance and voluntary insurance . in the respect of fund - raising method , premium rate and highest amount insured , there are some differences too . the way the countries dispose of these problems is not the same that whether to put the foreign currency deposits , inter - bank loans , the deposits in the branch of foreign banks and the deposits in the branch abroad of our banks into the range of subject - mater insurance 在经营形态上，有公营、民营之分；在投保方式上，有强制、自愿之别；在基金筹措方法、保险费率、最高保额等方面各国情况也不尽相同；是否将外币存款、同业拆借、外国银行分行的存款和本国银行国外分行的存款纳入保险标的范围，各国的处理也不相同。
