经济体制改革是全面深化改革的牵引与重点。其中,完善金融市场体系的改革亮点颇多,最引人关注的就是加快推进利率的市场化。利率市场化不仅是使市场在资源配置中发挥决定性作用的重要条件,也是当前深化经济体制改革的关键环节。一、利率市场化是全球性趋势什么是利率市场化?较为一致的观点有两种:一是政府放开对存贷款利率的直接行政管制,解除对银行存贷款利差的保护,靠市场供求决定资金的价格;二是由市场主体自主决定利率形成,即在市场竞争较充分的情况下,任何单一的市场主体都不能成为利率的决定者。实际 Economic restructuring is the traction and focus of the overall deepening of the reform. Among them, there are a lot of reforms in improving the financial market system, and the most interesting one is to speed up the marketization of interest rates. The marketization of interest rates is not only an important condition for the market to play a decisive role in the allocation of resources, but also the key link in deepening the reform of the economic structure at present. First, the interest rate liberalization is a global trend What is interest rate liberalization? More consistent point of view there are two: First, the government liberalized the deposit and lending rates of direct administrative control, lift the bank deposit and lending spreads protection, rely on market supply and demand Decide the price of the fund; secondly, the market subject determines the interest rate formation autonomously. That is to say, under the condition of sufficient market competition, no single market entity can become the decider of the interest rate. actual