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巨额存差的存在有着两个意味：一是我国商业银行的“金融中介”的功能已被极大地弱化了,“脱媒”现象日益显著；二是现在受管制的贷款利率并不是反映实体经济对利率真实承受能力的均衡利率水平。
The existence of huge depositors has two meanings. First, the function of “financial intermediaries” in China’s commercial banks has been greatly weakened. The phenomenon of “disintermediation” has become increasingly prominent. Second, the controlled lending rate now does not reflect the real economy The equilibrium interest rate level that the real interest rate can bear.