利率市场化在国际上通常称为利率自由化,是指政府放弃对利率的直接管制,将利率的决定权交给市场,由市场上资金供求双方共同决定利率水平,让利率充分发挥市场调节的作用,从而促进货币政策目标的实现和国民经济的发展。推进利率市场化改革是我国深化金融体制改革的关键,利率市场化已势在必行。与此同时,我们应该清楚地认识到:利率市场 Interest rate liberalization is commonly referred to as “interest rate liberalization” in the world. It refers to the government giving up its direct control over interest rates and leaving the power to decide on the interest rate. The interest rate will be given full play by market regulation So as to promote the realization of the goal of monetary policy and the development of national economy. Advancing the marketization of interest rate reform is the key to deepening the reform of the financial system in our country. The marketization of interest rates is imperative. At the same time, we should clearly recognize: the interest rate market