But the mismatch is less severe than some observers believe. In fact, the average term of deposits in China’s banks is about nine months, while medium- and long-term loans account for just over half of total outstanding credit.
这样的情景可能性很低。中国银行系统确实面临存贷款期限不匹配问题所产生的风险。但这一不匹配的程度比一些观察者认为的轻。事实上，中资银行平均存款期限是九个月左右，中长期贷款只是刚刚超出总未偿还信用的一半。