2003年,全国不少城市农业信用社都展开了利率市场化试点工作,普通存款利率最高可上浮30%,贷款利率最高可上浮100%,该项工作铺开以后,不少农信社储蓄存款额猛增。显然,试点时期的利率市场化的推进及影响是非常不彻底的,在利率市场化的过程中,参与的金融机构越多,利率越能真实地 In 2003, many urban credit unions in cities all over the country launched pilot market-based interest rates. Ordinary deposit interest rates could rise as high as 30% and lending rates could rise as high as 100%. After the work was rolled out, many rural credit cooperatives held savings deposits The amount soared. Obviously, the promotion and impact of marketization of interest rates during the pilot period is very incomplete. In the process of marketization of interest rates, the more financial institutions involved, the more real the interest rate will be