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由于中国长期以来形成的农村利率抑制状况，使得利率不能发挥其对农村资金市场的调节功能，致使农村资金市场发育不良，融资效率不高．解决这一难题的关键之举乃是实行利率自由化改革．即政府放松对利率的管制，以使农村资金市场上的利率更多地由市场资金的供求决定．最终形成市场化利率，并通过中央银行的调控活动来调节和引导市场利率，充分发挥利率对农村资金市场的调节作用．
Due to the long-established rural interest rate restraint in China, interest rates can not exert their regulatory function on the rural capital markets, resulting in the underdevelopment of rural capital markets and the inefficient financing. The key move to solve this problem is to implement the interest rate liberalization reform. That is, the government relaxed the control of interest rates so that the interest rates in the rural capital markets will be determined more by the supply and demand of market funds. Finally, a market-based interest rate will be formed and market interest rates will be adjusted and guided through the control activities of the Central Bank, giving full play to the regulatory role of interest rates in rural capital markets.