2013年7月20日,人民银行全面放开对金融机构贷款利率的直接管制,标志着我国金融体制改革迈出关键一步。党的十八届三中全会明确指出要“加快推进利率市场化”。笔者仅就基层农发行如何应对利率市场化谈几点看法。一、利率市场化对基层农发行的影响目前基层行的营业收入主要来自存贷 On July 20, 2013, the People’s Bank of China completely liberalized the direct control over lending rates of financial institutions, marking a crucial step toward the reform of China’s financial system. The Third Plenary Session of the 18th CPC Central Committee clearly pointed out that it is necessary to “speed up the marketization of interest rates.” I only talk about how the grassroots agricultural development bank to deal with the interest rate market talk. First, the impact of market-based interest rates on agricultural development at the grassroots level Bank’s current operating income mainly from deposits and loans