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最优贷款利率机制在多个国家和地区发挥重要作用,其为商业银行划定了市场化的指导性贷款利率下限,有利于避免银行业出现过度竞争现象最优贷款利率(Prime Rate)是商业银行向最优质客户收取的贷款利率。虽然其在各国的形成条件存在差别,但却发挥着保障银行业市场化运营、维护本国金融稳定的积极作用。“中国版”最优贷款利率机制——贷款基础利率集中报价与发布机制已经正式运行,未来需要进一步培养商业银行的自主定价能力,建设更加完善的金融市场,并积极推进其他金融配套改革。
The optimal loan interest rate mechanism plays an important role in many countries and regions. It provides the commercial banks with a lower market-oriented guideline lending rate, which helps to avoid over-competition in the banking industry. Optimum Prime Rate is a commercial Bank lending rates to the best customers. Although there are differences in the conditions for its formation in various countries, it plays a positive role in safeguarding the market-oriented operation of the banking industry and maintaining its financial stability. “China ” the optimal lending rate mechanism - central bank loan interest rate and quotation mechanism has been formally launched, the future need to further develop the independent pricing ability of commercial banks, building a more complete financial markets, and actively promote other financial reform .