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不久前,央行宣布,从7月20日起全面放开对金融机构贷款的利率管制,取消贷款利率不得低于基准利率0.7倍的下限。通俗的解释就是,以前从银行贷款,利率最低可以打七折,以后利率完全由银行自主决定,不设下限。消息一出,引起了一片热议。一方面,这是央行在利率市场化方面迈出的实质性一步,表明了央行推进利率市场化的决心。之前很多市场人士预测,央行在贷款利率问题上会非常谨慎,最多允许利率下限降至基准利率的0.6倍或0.5倍,但没想到,央行竟然一下子取消了贷款利率的限制。另一方面,尽管政策有了重大突破,
Not long ago, the central bank announced that it will fully liberalize its interest rate controls on loans to financial institutions starting from July 20 and cancel the loan interest rate at a minimum of 0.7 times the benchmark interest rate. Popular explanation is that in the past from the bank loans, interest rates can play the lowest 30%, after the interest rate completely by the bank’s own decision, no lower limit. The news came out, causing a hot discussion. On the one hand, this is a substantial step taken by the central bank in marketization of interest rates, which shows the determination of the central bank to promote the marketization of interest rates. Many market participants previously predicted that the central bank would be very cautious about the issue of lending rates and allowed a ceiling of 0.6 times or 0.5 times the benchmark interest rate. However, it did not expect that the central bank suddenly canceled the limit of lending rates. On the other hand, despite a major breakthrough in policy,