在存贷利差方面,金融市场竞争机制缺失有可能促成银行过度赢利。原因如下:第一,从经济学角度看,利息是资金的价格,应通过供需双方竞争性议价决定。而我国利息的决定并非通过竞争实现,商业银行参照执行央行 In terms of deposit and lending spreads, the lack of competition in the financial markets may lead banks to over-profit. The reasons are as follows: First, from an economic point of view, interest is the price of funds and should be determined through competitive bargaining between supply and demand parties. The decision of our interest is not achieved through competition, commercial banks refer to the implementation of central bank