利率市场化改革是金融体制改革的核心内容之一。推进利率市场化改革是建设社会主义市场经济体制、发挥市场配置资源作用的重要内容,是加强我国金融间接调控、促进金融支持实体经济的关键环节,也是完善金融机构自主经营机制、提高竞争力的必要条件。2013年7月20日,贷款利率已经全面放开,存款的利率市场化下一步的改革方向也备受关注,随着存款利率管制放松,必将对商业银行的存款业务带来巨大的影响。本文主要探讨的是利率市场化条件下银行存款业务发展战略。 Market-based interest rate reform is one of the core contents of the financial system reform. Advancing marketization reform of interest rates is an important part of building a socialist market economic system and giving full play to the role of the market in allocating resources. It is also a key link in strengthening the indirect regulation and control of finance in our country and promoting financial support for the real economy. It is also a way to improve the self-management mechanism of financial institutions and enhance competitiveness Necessary conditions. On July 20, 2013, the loan interest rate has been fully liberalized. The interest rate liberalization of deposits has also drawn great attention in the next direction of the reform. With the relaxation of deposit interest rate control, it will surely have a huge impact on the deposit business of commercial banks. This article mainly discusses the bank deposit business development strategy under the condition of interest rate liberalization.