利率市场化是我国深化金融体制改革的必由之路,对实现金融资源的合理配置,提高我国的经济效率起着非常重要的影响。利率市场化的推进与加速是一把双刃剑,它为我国商业银行注入新的血液,但是也会对现在的银行体系产生冲击和影响。本文将利率市场化在我国商业银行领域带来的影响进行分析,指出在利率市场化背景下我国商业银行如何进行可持续发展。 Marketization of interest rates is the only way for our country to deepen the reform of the financial system and plays a very important role in realizing the rational allocation of financial resources and improving the economic efficiency of our country. Advancing and accelerating the marketization of interest rates is a double-edged sword. It injects new blood into China’s commercial banks, but it will also have an impact and impact on the present banking system. This article analyzes the impact of the marketization of interest rates in the field of commercial banks in our country and points out how our commercial banks can carry out the sustainable development in the background of the interest rate liberalization.