loan-to-deposit ratio[LTD]　

loan-to-deposit ratio[LTD]　贷款与存款比率　

A commonly used statistic for assessing a bank’s liquidity by dividing the banks total loans by its total deposits.This number，also known as the LTD ratio，is expressed as a percentage.If the ratio is too high，it means that banks might not have enough liquidity to cover any unforeseen fund requirements；if the ratio is too low，banks may not be earning as much as they could be.