扩大贷款利率浮动区间政策实施以来 ,基层各金融机构特别是农信社经营效益得到改善 ,提高了其支持中小民营企业的积极性 ,但也出现几个不容忽视的新情况 :一、商业银行和农信社信贷对象进一步分离 ,金融同业竞争加剧。新的贷款利率浮动政策实施后 ,农信社与商业银行的贷款利率 Since the implementation of the floating-range policy of extending lending rates, grassroots financial institutions, especially RCCs, have improved their operational efficiency and raised their enthusiasm for supporting small and medium-sized private-owned enterprises. However, there have been several new developments that should not be overlooked: First, commercial banks and peasants Credit cooperatives further separated credit objects, increasing competition among financial peers. After the implementation of the floating rate policy of new lending rates, RCCs and commercial banks lending rates