随着金融助力实体经济的呼声高涨，银行业对于存贷比考核指标的讨论颇多。金融支持实体经济要求银行有一定信贷投放能力，存贷比指标却在相当程度上卡住了银行的信贷投放能力。

With the financial assistance to the real economy high voice,Banking for deposit-loan ratio assessment criteria discussed quite a lot.Financial support the real economy require Banks to have certain ability of credit availability,Deposit-loan ratio index is quite degree stuck on bank credit availability ability.

　　如今，存贷比这一考核指标，或有望松动。

now,Deposit-loan ratio the assessment indicators,Or is expected to loose.

　　在日前的银监系统年度工作会议上，在谈到监管制度的建设时，银监会主席尚福林称，将改进商业银行存贷比考核办法。

In these days of silver prison system annual work meeting,When talking about the construction of supervision system when,CBRC chairman he says,Will improve the commercial bank deposit-loan ratio assessment method.

　　本报获得的数据显示，2012年末商业银行流动性比率45%，存贷比64%，与上年相当。

The obtained data display,By the end of 2012 commercial bank liquidity ratio of 45%,Deposit-loan ratio of 64%,Last year and is.

　　对于存贷比存废的问题，近几年来在银行业内已有广泛的讨论。现行75%存贷比指标是《商业银行法》（1995年颁布）规定实施的，当时的政策偏好之一是通过存贷比等指标配合当时的双紧缩政策，进而抑制通胀。

For the deposit-loan ratio with the problem of waste,In recent years in the bank industry has been widely discussed.The current 75% deposit-loan ratio index is[Commercial Banks](Promulgated in 1995)The implementation of the provisions of the,The policy preference is one of the deposit-loan ratio indices such as cooperate with the double deflation policy,And then to restrain inflation.

　　但时至今日，随着金融市场的发展，银行除存贷款外的其他资金来源和运用规模逐步扩大，存贷比与流动性的相关性会越来越低。加之流动性收紧之后，部分银行认为，存贷比指标限制了其向实体经济投放信贷的能力。

But today,Along with the development of financial market,Bank loan in addition to the other sources of funding and use scale gradually enlarged,Deposit-loan ratio and the correlation of liquidity will be more and more low.And after the liquidity tightening,Part of the bank that,Deposit-loan ratio index limit to the entity economy on the credit capacity.

　　根据中国银行(601988,股吧)业协会发布的《中国银行家调查报告（2012）》，在受访银行家中，仅有20.7%的银行家认为应该保留存贷比，并作为主要监管指标。其余的银行家多数认为应对指标的约束效力、测算方式等做出修改，更有甚者，6.5%的银行家认为应废止此指标。

According to the bank of China(601988,guba)Industry association released[Chinese bankers survey report(2012)],In the home of the bank,Only 20.7% of the bankers think should preserve deposit-loan ratio,And as the main regulatory index.The rest of the bankers most think to deal with the constraint effect index/Measure mode changes,What is more,6.5% of the bankers think should abolish the index.

　　“存贷比指标并不太科学，是一种比较僵化的管理办法。”一位股份行高管认为，存贷比指标在一定程度上限制了银行经营模式的创新和改革。因为目前银行负债资金来源已经相对多样化，只要资金稳定，期限配置适合，都可以作为银行流动性管理的工具，而非仅仅局限于通过存款量来降低银行信贷的流动性风险。

"Deposit-loan ratio index is not too science,It is a more rigid management measures."A stock line executives think,Deposit-loan ratio index in a certain degree, restricted the bank business model innovation and reform.Because the current bank debt capital source has been relatively diversified,As long as the fund stable,Term configuration for,All can be used as a bank liquidity management tool,But not only limited to the amount of savings to reduce the liquidity risk of bank credit.

　　考虑到存贷比指标短时期内难以取消，也有多位银行人士提出改进监管的建议。

Considering the deposit-loan ratio index the short term is difficult to cancel,Also have many bankers puts forward improving supervision Suggestions.

　　这些建议主要有三：其一，在监管指标的计算方式上，将银行同业存款纳入存贷比分母的计算范畴。其二，进行弹性掌握，比如允许在75%的上下3~5个百分点浮动。其三，允许在年中突破75%限制，年内给予压回即可。

These Suggestions mainly have three:one,In the regulatory index calculation methods,Will interbank deposit savings into the mother's computation category.The second,Elastic master,Such as permitted in 75% of the up and down 3 ~ 5% floating.thirdly,Allow the breakthrough year 75% limit,Years can be given back pressure.