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【单选题】
下列关于净利息收益率说法不正确的是（）。
A.
年均概念：NIM=（净利息收入/期初期末平均生息资产）×100%
B.
净利息收益率是对银行盈利影响最小的指标之一
C.
日均概念：NIM=（净利息收入/日均生息资产）×100%
D.
利率调整、贷存比以及存款定活比等诸多因素会影响商业银行的净利息收益率水平，在降息的背景下，净利息收益率会下降，贷存低的银行受到的影响相应较小
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