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利率市场化不仅是当今世界全球化的发展趋势,也是我国金融体制改革的大势所趋和客观要求,其对我国货币政策的效应、金融机构、企业和个人,都将产生巨大影响;对我国适应全球经济发展、国内微观经济基础的完善、优化金融资源配置、国民经济结构的调整有着极其重要的作用。探讨和研究我国利率市场化改革有着十分重要的现实意义。
The marketization of interest rates is not only the development trend of globalization in the world at present, but also the general trend and objective requirement of the reform of the financial system in our country. Its effect on the monetary policy of our country, financial institutions, enterprises and individuals will have a tremendous impact. To adapt our country to the global economy Development, the improvement of the domestic microeconomic foundation, the optimization of the allocation of financial resources and the readjustment of the national economy have an extremely important role to play. It is of great practical significance to discuss and study the market-based interest rate reform in our country.