越是风险定价能力差、体质差的银行越愿意进行高风险的贷款,其上浮的利率就越多;越是风险定价能力好、素质好的银行越是不愿从事风险高的贷款,其下浮的利率就越多;越是风险高的项目或企业,它们对利率上浮越是没有敏感性。这种状况影响了利率市场化的进程 The more the risk of poor pricing, poor health of the banks are more willing to carry out high-risk loans, the higher the interest rates on the float; the more the risk pricing ability, good quality banks more reluctant to engage in high-risk loans, the downside The more interest rates; the more risky projects or businesses, the more insensitive they are to the floating rate. This situation has affected the process of marketization of interest rates