银行贷款利率浮动的差异性比较

广东省经济发达地区和欠发达地区间银行贷款利率浮动存在较大差异性。这一差异性表明：一方面大部分地区已经改变了过去贷款利率浮动的简单化趋势，在政策许可的范围内实现了真正市场化；另一方面商业银行的市场定价机制已经初步建立，应进一步完善利率完全市场化的微观基础。

Thoughts on the Status Quo of Floating Interest Rates of Loans with Commercial Banks in Guangdong Province

The paper makes an analysis of the disparities of floating interest rates of bank loans to differenl enlerprises in differenl districts. It undertakes a case study, based on investigation between an economically developed cily and a less developed one, by probing into the causes of the disparities of floating interesi rales of the bank loans. The resulls indicate that, on one hand, the floating rales of bank loans lend to be market-orienled in most areas wilhin the guidance of the governmenl policies concerned and on the other hand, the markel-delermined rate-fixing mechanism has been gradually set up with Guangdong commercial banks.