利率定价问题，从本质上讲就是利率的形成机制问题。在美国日本这样的发达国家，由于已实现利率市场化，故其利率形成机制问题直接称为利率定价问题；而在许多发展中国家，由于目前仍为管制利率，故利率定价的这一提法相对很少。 Interest rate pricing, in essence, is the formation of interest rate mechanism. In the developed countries such as the United States and Japan, the interest rate formation mechanism is directly called the interest rate pricing problem because the interest rate has been marketized. In many developing countries, the interest rate pricing is still the reason for the current interest rate regulation Relatively few.