从1993年提出利率市场化的初步设想到今天,我国利率市场化已经开展22年。利率市场化对于各国的经济发展具有深远意义,不仅能够调节资源配置效率,对经济增长也具有强劲的推动力。本文通过对我国商业银行利率市场化进行分析,希望为我国商业银行在利率市场化的环境中实现健康发展提供有价值的参考。 From the preliminary assumption of marketization of interest rates proposed in 1993 to today, the marketization of interest rates in China has been carried out for 22 years. The marketization of interest rates is of far-reaching significance to the economic development of all countries. It not only can adjust the efficiency of resource allocation but also has a strong impetus to economic growth. This article analyzes the marketization of the interest rate of commercial banks in our country and hopes to provide a valuable reference for the commercial banks in our country to realize the healthy development in the market of interest rate liberalization.