noun
compulsory deposit in return for loan
A banking practice where a borrower is required to place a deposit with the lender as a condition for receiving a loan, effectively reducing the net loan amount.
両建て預金は、融資の条件として預金を義務付ける仕組みです。
Compulsory deposit in return for loan is a system that requires a deposit as a condition for financing.
中小企業向け融資で、両建て預金が問題視されることがある。
In loans to small and medium-sized enterprises, compulsory deposits in return for loans are sometimes seen as problematic.