目前,我国中小微企业普遍面临融资难、融资贵的困境,贷款利率的居高不下是一大原因。而改变这种格局的一个有效途径就是利率市场化。央行于前不久实施的全面降息,将存款利率浮动区间扩大到了20%的幅度,这一举措使降患只是向市场提供了基准利率,各家银行可以根据自己对市场的判断在规定幅度内自行确定最终利率。这一决定刚刚公布,一些股份制银行即 At present, China’s small and medium-sized micro-enterprises are generally faced with financing difficulties and high financing difficulties. The high loan interest rate is a major reason. An effective way to change this pattern is to market interest rates. The central bank’s overall interest rate cut implemented shortly ago expanded the floating rate of the deposit interest rate by 20%. This move made the drop just provide the market with a benchmark interest rate. Banks can make their own decisions based on the market Determine the final interest rate. This decision has just been announced by some joint-stock banks