随着2013年7月20日贷款利率的放开,银行间自由竞争格局将随之形成,农村商业银行该如何应对利率市场化带来的影响?本文在对利率市场化理论进行回顾的基础上,结合美国利率市场化改革进程的经验,简要分析利率市场化对农村商业银行的影响,然后结合理论与实际,提出三点应对策略。 With the liberalization of lending rates on July 20, 2013, the free competition between banks will follow. How should RCCs deal with the impact of the marketization of interest rates? Based on a review of the interest rate liberalization theory, , Combined with the experience of the marketization reform process of the interest rate in the United States, briefly analyzes the impact of the marketization of interest rates on rural commercial banks, and then puts forward three countermeasures in light of the theory and reality.