利率市场化无疑是改革方向,但应估计到在一段时间内可能加剧房地产业对其他产业的挤压我国利率市场化还未达到理想水平利率市场化是指:利率由市场资金供求双方自行决定,在利率形成过程中不存在利率管制,利率成为金融产品定价的参照基准,在市场资源配置中起到基础性的调节作用。根据对我国利率体系的分析,我们构建了评价我国利率市场化程度的指标体系。该体系分3级,1级指标是利率市场化指数(即利率市场化程度),2级指 Interest rate marketization is undoubtedly the reform direction, but it should be estimated for a period of time may exacerbate the real estate squeeze on other industries Marketization of interest rates in our country has not yet reached the desired level Marketization of interest rates means: interest rates by the market capital supply and demand both sides at their own discretion, Interest rate control does not exist in the formation of interest rates, and interest rates have become the benchmark for pricing financial products, playing a fundamental regulatory role in the allocation of market resources. According to the analysis of China’s interest rate system, we have constructed an index system for evaluating the degree of marketization of interest rates in our country. The system is divided into three levels, one index is the interest rate liberalization index (ie, the degree of interest rate liberalization), Level 2 means