7月20日起央行全面放开金融机构贷款利率管制。消息一经公布,随即引起国内外的广泛关注和积极评价。各界普遍认为,放开贷款利率管制有助于增强金融机构的竞争能力和金融市场的活力,有助于优化金融资源配置,降低实体经济的融资成本,促进经济的转型升级。贷款利率放开有望降低实体经济融资成本中国银行首席经济学家曹远征表示:“从近年的经验来看,贷款利率基本呈下行趋势,可以降低实体经济 Since July 20, the central bank has liberalized the lending rates of financial institutions in an all-round way. As soon as the news was announced, it immediately aroused widespread concern and positive comments both at home and abroad. It is generally accepted by all circles that letting governed the interest rate control of lending helps to enhance the competitiveness of financial institutions and the vitality of financial markets, and helps to optimize the allocation of financial resources, reduce the financing costs of the real economy and promote the economic restructuring and upgrading. Loan rate liberalization is expected to reduce the cost of financing the real economy Cao Yuanzheng, chief economist at Bank of China, said: ”From the experience in recent years, the lending rate is basically a downward trend that can reduce the real economy