本文首先对利率市场化的内涵以及我国利率市场化改革的必要性进行了论述,在此基础上分析总结了我国的利率市场化改革的进程。另外从商业银行的盈利模式、风险集中度、经营风险等多个方面,分析了利率市场化对中国商业银行会产生的影响,并对我国商业银行如何应对利率市场化提出了建议。 This paper first discusses the connotation of the marketization of interest rates and the necessity of marketization reform of interest rates in our country. Based on the analysis, it summarizes the process of marketization reform of interest rates in our country. In addition, it analyzes the impact of interest rate marketization on China’s commercial banks in terms of profitability, risk concentration and risk management of commercial banks, and puts forward suggestions on how China’s commercial banks should deal with the marketization of interest rates.