  Observations have shown that the Eddington ratios (the ratio of the
bolometric luminosity to the Eddington luminosity) in QSOs/active galactic
nuclei (AGNs) cover a wide range. In this paper we connect the demography of
AGNs obtained by the Sloan Digital Sky Survey with the accretion physics around
massive black holes and propose that the diversity in the Eddington ratios is a
natural result of the long-term evolution of accretion disks in AGNs. The
observed accretion rate distribution of AGNs (with host galaxy velocity
dispersion sigma~70-200 km/s) in the nearby universe (z<0.3) is consistent with
the predictions of simple theoretical models in which the accretion rates
evolve in a self-similar way. We also discuss the implications of the results
for the issues related to self-gravitating disks, coevolution of galaxies and
QSOs/AGNs, and the unification picture of AGNs.
