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[生活] 提前还贷，钱去了哪？

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假设提前还贷 100 万元，银行同时在其资产负债表的资产端与负债端同时 减去 100 万元。

以上只是减法，那银行需不需要再做一次 加法，毕竟是还钱给他。

如果需要再做一次 加法，加在哪？另外，提前还贷对银行的资本充足率是有提升的作用？

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