在商业银行的经营过程中 ,储蓄资金作为银行经营活动的初始产品 ,虽然不能体现最终效益 ,但它可以通过创造间接效益 ,为银行取得利润最大化提供可能性。存款自身经营效益的大小不是直接表现在收入上 ,而是体现在成本中 ,成本的高低 ,意味着筹资效益的优劣。如何正确理解和科学 In the process of commercial bank’s operation, as the initial product of bank’s business activities, savings funds can not reflect the ultimate benefits, but it can provide the bank with profit maximization by creating indirect benefits. The size of the operating benefits of the deposit itself is not directly reflected in the income, but reflected in the cost, the level of costs, means the pros and cons of financing effectiveness. How to correctly understand and science