急问！什么是活期存款的隐久期
<span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">请大家开发一种能够<b style="mso-bidi-font-weight: normal;"><span style="COLOR: red;">刻画活期存款平衡的方法</span></b>，<b style="mso-bidi-font-weight: normal;"><span style="COLOR: #0070c0;">从而为银行带来尽量大的收益和尽量小的风险</span></b>，并获得核心存款的总量以及活期存款的隐久期（</span><span lang="EN-US" style="FONT-SIZE: 12pt; FONT-FAMILY: "Times New Roman","serif"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA; mso-fareast-font-family: 宋体;">implied duration of demand deposits</span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: "Times New Roman"; mso-hansi-font-family: "Times New Roman"; mso-bidi-font-family: "Times New Roman"; mso-font-kerning: 1.0pt; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">）。需要的数据请自行查找，不限制具体的商业银行和国家。</span></span>
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