稳步推进利率市场化作为我国金融体制改革的一项重要内容,已经被写进“十二五”规划中。央行行长周小川年初曾撰文对稳步推进利率市场化改革作了全面阐述,并提出了进一步改革思路。有业内人士认为,利率市场化有利于提高资金配置效率,转变微观主体的发展方式与经营机制,切实提高商业银行的经营管理水平与核心竞争能力,是深化我国金融体制 As an important part of China’s financial system reform, the steady march on the marketization of interest rates has been written into the “Twelfth Five-Year Plan”. At the beginning of this year, Zhou Xiaochuan, the governor of the central bank, once made an overall statement on the steady marketization of interest rate reform and proposed further reform ideas. Insiders believe that the marketization of interest rates will help increase the efficiency of capital allocation, change the development mode and operating mechanism of micro-entities, and effectively improve the management level and core competitiveness of commercial banks. This will deepen the development of China’s financial system