利率市场化大致有三层基本涵义,第一层涵义是利率作为资金价格由市场供需决定,即市场资金的充足程度将直接以利率的形式反映为资金成本的高低。但就这层涵义而言,利率市场化并不等于利率完全由市场决定,中央银行并非可以撒手不管。党的十六届三中全会明确提出:“稳步推进利率市 There are basically three levels of interest rate market-oriented meaning, the first meaning is that the interest rate as the capital price determined by the market supply and demand, that is, the adequacy of market funds will be directly reflected in the form of interest rates for the level of capital costs. However, in this sense, the marketization of interest rates does not mean that interest rates are completely determined by the market. The central bank can not afford to leave it alone. The Third Plenary Session of the 16th CPC Central Committee clearly put forward: “Steadily promote the interest rate market.”