利率作为资金的价格,对优化资金配置起着重要作用。利率的变动直接影响着政府、企业、银行、个人等经济主体的筹资成本,进而影响其经济行为,通过引导社会资金流向调节社会资源在经济领域内的分配。随着我国市场化改革的深入和我国加入WTO组织的成功, As the price of funds, interest rates play an important role in optimizing the allocation of funds. The change of interest rate directly affects the financing costs of economic subjects such as government, enterprises, banks and individuals, thereby affecting their economic behavior and regulating the distribution of social resources in the economic field by guiding the flow of social funds. With the deepening of the marketization reform in our country and the success of our country’s accession to the WTO,