2013年7月20日起我国全面放开金融机构贷款利率管制,由市场资金供求决定各种利率水平的市场利率体系的市场利率管理体系取得重大进展。但利率市场化改革进程中也存在一些问题。为此,本文根据多年的利率管理工作经验,提出我国在推进利率市场化过程中需要注意的一些问题,并提出相应的对策建议。 Since July 20, 2013, China has made a significant progress in liberalizing the market interest rate management system based on the market interest rate system, which determines the supply and demand of various types of interest rates. However, there are still some problems in the process of marketization of interest rates. Therefore, based on many years of experience in interest rate management, this paper puts forward some problems that China needs to pay attention to in promoting the marketization of interest rates and puts forward corresponding countermeasures and suggestions.