The study draw a conclusion that banks loans pricing model of foreign commercial is essentially against mature market economy and the interest rate is marketize, so it have restrictions on the use.

• 得到结论,国外有关商业银行贷款定价的模型基本上是针对市场经济成熟、利率已完全市场化的国家而建立的,因而在运用于我国实际时会受到一定的限制。