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一、美国商业银行个人贷款业务概况 （一）贷款利率美国商业银行的贷款利率具有以下特点：①利率浮动。一般商业银行的浮动利率，是在市场利率的基础上增减某个指数。所有浮动利率都有一个上限，利率浮动不得超过上限。②固定利率和浮动利率并存。固定利率是贷款利息按事先
First, the personal loan business of the United States Commercial Bank Overview (a) loan interest rates United States commercial bank lending rates have the following characteristics: ① interest rate fluctuations. The floating rate of a general commercial bank is based on the market interest rate plus or minus an index. All floating rates have an upper limit, and the floating rate must not exceed the upper limit. ② fixed interest rates and floating rates co-exist. The fixed interest rate is the loan interest in advance