在金融自由化的浪潮下,加速推进我国利率市场化已经成为市场上的主要声音。本文首先阐述了房地产、股市以及汇率等关系到国计民生的几个重要方面所出现的过热现象,并将之比作金融市场的“流感”症状,需寻找一种“板蓝根”作为退烧药。通过分析将利率市场化比作金融市场的“板蓝根”,帮助我们的经济体散热排毒。目前我国利率方面的管制造成利率较低,不可避免影响到资本市场和房地产金融市场,经济体面临产生流动性过剩的风险。推行利率市场化乃众望所归。 Under the wave of financial liberalization, accelerating the marketization of China’s interest rate has become the main voice in the market. This article first describes the overheating phenomenon in real estate, stock market, exchange rate and other important aspects related to national economy and people’s livelihood and compares it with the “flu” symptom in financial markets. It is necessary to find “Banlangen” as an anti-fever medicine. By analyzing the marketization of interest rates as “Banlangen” in financial markets, we help our economy heat and detoxify. At present, the interest rate control in our country has resulted in low interest rates, which inevitably affect the capital markets and real estate financial markets. The economies are exposed to the risk of excess liquidity. Market-oriented interest rates are welcome.