利率上浮

贷款定价应该充分反映资金成本、风险成本和管理成本，不得笼统将贷款利率上浮至最高限额。

Loan pricing should fully reflect the cost of capital , risk and administrative costs , not general lending rates to go up to the ceiling .

通常情况下，贷款利率上浮幅度越大，商业银行越能够覆盖贷款的风险，在一定程度上缓解信贷配给问题，从而在中小企业贷款需求不变的情况下，对其贷款量将会放大。

Typically , the lending interest rate floating range is bigger , the more able to cover risks in commercial bank loans , this will ease the credit rationing problem to a certain extent .

日本利率随美国利率上浮。

Japanese interest rates rose relative to America 's

目前，存款利率允许比基准利率上浮至多50%，而去年11月前至多只能上浮10%。

Deposit rates are now allowed to float as much as 50 per cent above the benchmark , up from only 10 per cent before November last year .

2002年初，央行选择8个县农村信用社进行利率市场化改革试点工作，大幅度提高了利率浮动范围。这8家信用社存款利率最高可上浮50%，贷款利率最高可上浮100%。

At the beginning of 2002 , the central bank chose eight rural credit cooperatives as the experiment units of interest rate liberation : greatly increased the band by setting a ceiling of 50 % for deposit rates and of 100 % for lending rates .