实行优惠贷款利率的制约因素优惠贷款利率是指银行为其贷款对象提供的低于一般贷款利率水平的利率。国家开发银行实行优惠贷款利率就是指硬贷款利率应低于同档次商业银行一般贷款利率。据有关资料，日本开发银行、韩国产业银行等国外政策性银行均能向企业提供长期的低息优... Constraints on the implementation of concessional lending rates Concessional lending rates refer to the interest rates offered by banks to their borrowers at rates below the average lending rates. The implementation of preferential lending rates by China Development Bank means that the interest rate of hard lending should be lower than the general lending rate of commercial banks of the same grade. According to the relevant information, foreign development banks such as Japan Development Bank and Korea Industrial Bank can provide enterprises with long-term low interest rates.