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取消金融机构贷款利率0.7倍的下限,由金融机构根据商业原则自主确定贷款利率水平。此消息一出,引得讨论声声。多位专家和银行业人士认为,此举虽然并不能彻底解决目前“影子银行”的一些问题,但是传递了监管层整顿“影子银行”的重要信号贷款利率下限规定取消后,各银行今后必然开展低利率竞争以确保贷款客户,使更多资金流向实体经济和中小微企业,“影子银行”的扩张也将得到一定抑制。
The lower limit of 0.7 times the lending rate of financial institutions should be abolished, and the financial institutions should independently determine the lending rates according to commercial principles. The news came out, attracted discussion. Many experts and bankers believe that this move, though not a complete solution to some of the current “shadow banking” issues, has passed the important signal from the regulators to rectify the “shadow banking” lending rates lower the provisions of each In the future, banks will inevitably engage in low-interest-rate competition to secure loan customers and allow more funds to flow to the real economy and small and medium-sized and micro-enterprises. The expansion of the “shadow banking” will also be restrained.