利率市场化改革影响了我国农村金融机构的各个方面。随着利率管制逐步取消,农村金融机构获得自主定价权。为抢占市场,农村金融机构改变原有的利率水平,利率水平的变化通过“储蓄效应”和“投资效应”作用于储蓄水平和投资水平,从而对农村金融机构的利差收入、业务结构、存贷规模和信贷质量产生了重大影响。 Market-based interest rate reform has affected all aspects of China’s rural financial institutions. With the gradual cancellation of interest rate control, rural financial institutions have gained independent pricing power. To seize the market, rural financial institutions to change the original level of interest rates, the changes in interest rates through the “savings effect” and “investment effect ” effect on the level of savings and investment, thus the spread of rural financial institutions income, The business structure, loan-to-deposit scale and credit quality have had a significant impact.