利率市场化改革是中国金融市场改革重要的组成部分,是实现市场在资源配置中起决定作用的关键步骤。利率市场化是中国银行业和资本市场深化改革的动力,不仅能鼓励更有效率的民间资本在融资市场的积累、扩大与活跃,引导资金流向更富创新力和增长后劲的企业,同时可促进居民消费的增长。本文从我国利率市场化进程着手,分析美国利率市场化进程中的经验,进而分析利率市场化改革对信托业以及信托公司产生哪些影响,以及信托公司为了应对利率市场化的挑战应该采取哪些措施。 Marketization of interest rate reform is an important part of China’s financial market reform and a crucial step towards realizing the market’s decisive role in the allocation of resources. Marketization of interest rates is the driving force behind the deepening reform of China’s banking and capital markets. It can not only encourage more efficient private capital accumulation in the financing market, expand and become more dynamic, and guide more financial resources to more innovative and growth-sustaining enterprises, The growth of household consumption. This article starts with the process of marketization of interest rate in our country, analyzes the experience of marketization of interest rate in the United States, and then analyzes the impact of marketization of interest rate on the trust industry and trust companies. What measures should be taken by trust companies in order to meet the challenge of marketization of interest rates?