A survey shows China's loan demand rose in the fourth quarter of 2022.

一项调查显示，中国的贷款需求在 2022 年第四季度有所上升。

I don't want to say total liabilities because the bank could take out loans that aren't demand loans.

我不太同意的词——总负债因为银行能够拿出非活期贷款之外的贷款。

Deposits are redeemable on demand, loans are long-term.

存款可按需赎回，贷款是长期的。