ensure floating capital loans for well-performing and trustw

From 1998,in china the loan capital market,the increase of deposit has continuously exceeded the increase of the loan in quantity,The important reasons are:external supervision makes the commercial banks to increase deposit,internal inspitment mechanism encourage the commercial banks to increase the deposit.

1998年以来,中国信贷资金市场连续出现巨额存差,主要是由商业银行的外部监管、内部激励和贷款功能不平衡导致的。