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利率市场化的推进,是中国市场经济体制改革的一个重要环节。利率市场化的推行,有利于打破银行的垄断利润,方便银行主体之间展开适当的竞争,从而促使人们关注金融创新,不断研发金融工具,同时也有利于给中小企业的发展带来了新的融资途径,降低融资成本,从而保证中小企业的壮大和发展,另外,也丰富了居民的投资产品的种类。
The marketization of interest rates is an important link in the reform of the market economy in China. The marketization of interest rates is conducive to breaking the monopoly profits of banks and facilitating proper competition among the main banks so as to encourage people to pay attention to financial innovation and continuously develop financial instruments and at the same time bring new benefits to the development of small and medium-sized enterprises Financing channels to reduce financing costs, so as to ensure the growth and development of SMEs. In addition, it also enriches the types of investment products for residents.