2004年,人民银行先后扩大了金融机构贷款利率浮动区间,取消了国有商业银行和政策性银行的贷款利率浮动上限。从中长期看,为商业银行实施科学的贷款风险定价提供了必要的空间。但调查发现,目前这一政策对基层金融机构贷款利率执行的影响不大。主要表现在三个方面:实际执行利率仍 In 2004, the People’s Bank of China successively expanded the floating range of lending rates of financial institutions and canceled the floating ceiling of lending rates of state-owned commercial banks and policy banks. In the medium and long term, it provides the necessary space for commercial banks to implement a scientific loan risk pricing. However, the survey found that at present this policy has little effect on the implementation of loan interest rates of grass-roots financial institutions. Mainly in three aspects: the actual implementation of interest rates still