利率市场化是指货币当局逐步放松和取消对利率的直接管制,由资金供求双方自主确定利率,以达到优化资金配置的目的。目前,农村贷款利率市场存在缺陷,贷款利率“单边控制”现象普遍,有必要建立反“贷款利率控制”常规制度,通过制度补充进一步规范激活农村金融市场,以加快农村利率市场化进程。 The marketization of interest rates refers to the monetary authorities gradually easing and canceling the direct control on interest rates, and the interest rates are determined by the supply and demand sides of the funds in order to achieve the purpose of optimizing the allocation of funds. At present, there is a defect in the market of rural loan interest rates, and the loan interest rate is unilateral. It is necessary to establish a conventional system of anti-lending rate control and further standardize the activation of rural financial markets through the system to accelerate the rural interest rate market Process.