<span style、"font-family: 宋体; font-size: small;"><span>当资金需求大于供给时，市场利率等于银行最优利率</span></span>
<span style、"font-family: 宋体; font-size: small;"><span>当资金需求大于供给时，市场利率低于银行最优利率</span></span>
<span style、"font-family: 宋体; font-size: small;"><span>理性的银行一定按市场利率贷款</span></span>
<span style、"font-family: 宋体; font-size: small;"><span>造成资源配置失调</span></span>
<span style、"font-family: 宋体; font-size: small;">当资金需求大于供给时，市场利率高于银行最优利率</span>