如果不改变国有控股银行集中度太高的格局,受制于市场固有结构,特别是没有大银行对大企业和中小银行对小企业的市场分工格局,显然不可能将贷款利率降下来。中国经济增长的持续下行,除了经济发展进入“新常态”和全球还未走出的大环境原因外,体制和国民经济创造分配流程扭曲所造成的挤压性衰退,也是重要原 If we do not change the pattern that the concentration of state-controlled banks is too high and are subject to the inherent structure of the market, especially if there is no market-sharing structure between big banks and small and medium-sized banks for small enterprises, it is obviously impossible to lower the lending rate. The continuous downward trend of China's economic growth is also an important factor in addition to the “new normal” in economic development and the global environmental reasons that have not yet come out and the squeezing recession caused by the distortion of the distribution system created by the system and the national economy