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利率市场化就是建立健全由市场资金供求决定的利率形成机制,中央银行通过运用货币政策工具引导市场利率,以实现货币政策调控的目标,这就是我国利率市场化的总目标。存款利率市场化目标就是要实现在全国统一的存款市场由存款资金供求形成和决定其不同期限的利率水平,存款资金按照安全性、盈利性、流动性充分竞争形成的
The marketization of interest rates means establishing and perfecting the formation mechanism of interest rates determined by the supply and demand of market funds. The Central Bank aims to guide the market interest rates through the use of monetary policy tools so as to achieve the goal of monetary policy control. This is the general goal of marketization of interest rates in China. The target of marketization of deposit interest rate is to achieve the formation of the deposit funds supply and demand in the unified deposit market in the country and to determine the interest rates of different maturities. Deposit funds are formed in full competition with safety, profitability and liquidity