贷款息差的中文解释

银行厘订贷款利率时,常以基准利率加上某一固定水平的息差来表示,该息差即是所谓的贷款息差. 基准利率通常是一个浮动的市场利率,比如伦敦银行同业拆借利率(Libor). 举例,贷款利率若为Libor加200基点,200基点即是贷款息差. 贷款息差有时也指银行收取的贷款利率超过其资金成本的幅度.

Lending Margin的英文解释

The fixed spread that borrowers agree to pay above an agreed base rate for calculating interest. The base, or reference rate, may be a rate such as London Interbank Offered Rate.

• reference [´refərəns]   n.参考；参照；出处   (初中英语单词)