我国利率市场化的问题及措施

利率市场化是政府放松对利率市场的管制或限制，由资金市场供求关系来决定利率水平。经过20多年的利率体制改革，我国已逐步将利率作为宏观调控的重要工具，但还存在诸如利率管理体制的政府性、国有商业银行经营的非市场化、国有企业改革不彻底性、利率水平和结构的不合理性等诸多问题，需要进一步深化国有银行体制改革，大力发展金融市场等一系列措施来加以解决，并加速推动利率市场化进程。

The Problems and Ways of Interest Rate Marketing in Our Country

Interest rate marketing means that the government will loosely control the interest rate market, and the interest rate is to be decided by the demand and offering of the funds of the market. After reforming for over twenty years, interest rate will be the important instrument of macroeconomic controlling in our country step by step. But up to now, the interest rate system also has many problems just like interest rate system controlled by government behavior, non-marketing management of state-own commercial bank,non-thorough reforming of state-owned enterprises, unreasonable interest rate structure etc. Many ways, such as deepening the economic reforms, changing the interest rate system, fastening the reform of the state-owned bank, developing the financial market, will be adjusted to spur the reform progress.