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A jiffy bag <a href=" http://siulodarba.com/what-is-a-persuasive-research-paper ">what is an abstract paper in a research paper</a> Chinese banks are required to meet regulatory tests of financial soundness, including a 75 percent loans-to-deposit ratio, at the end of each month, and they frequently tap the interbank market for cash to do so, causing temporary upward pressure on short-term rates.