Other than the short - term interbank interest rates being largely somewhere between the retail deposit rates for example the savings rate and the best lending rate , its precise position within that band , or rather how the band moves along the interbank rates , has not exhibited a defining pattern 短期同业拆息一般处于零售存款利率如储蓄存款利率及最优惠贷款利率之间，但除此以外，有关短期同业拆息实际上在这个范围的哪个位置，又或者这个范围怎样随同业拆息变动，并没有一定的模式。
For example , foreign banks generally kept much smaller clearing balances because their lack of extensive retail networks made their liquidity less vulnerable to unpredictable swings , and because their dependence on interbank funding implied a higher opportunity cost in holding surplus liquidity than was faced by banks with a sizeable retail deposit base 例如，外资银行由于缺乏分布广泛的零售网络，其流动资金较少出现难以预计的波动，加上它们多倚赖银行同业市场资金，持有过多流动资金涉及的机会成本较拥有大零售存款基础的银行为高，因此这类银行维持的结算馀额一般都会小得多。
