随着社会主义市场经济的发展，现行的利率管理体制已很难适应金融市场的需要，利率的市场化改革呼声越来越高。商业银行为实现利润最大化的经营目标，对贷款利率有着天然的趋向性，使得对利率这一特殊市场价格的改革充满着复杂性。事实上，目前商业银行贷款利率的浮动幅度并不 With the development of the socialist market economy, the current interest rate management system has become very difficult to adapt to the needs of the financial markets. The market-oriented reform of interest rates has become increasingly louder and louder. Commercial banks to achieve profit maximization of business objectives, the interest rate on the loan has a natural tendency, making the interest rate of this special market price of reform is full of complexity. In fact, the current commercial bank lending rate fluctuations are not