实现利率市场化是我国金融变革的突破口和完善宏观调控的核心内容,是经济体制改革的重要推动力。本文叙述了我国利率市场化的背景和历史进程,对当前的最新进展进行了评述,并分析了利率市场化改革的影响。最后,提出在新的起点上,我国利率市场化改革应该注意的问题及对策。 Realizing the marketization of interest rates is the breakthrough of China’s financial reform and the core content of improving macroeconomic regulation and control. It is also an important driving force for economic reform. This article describes the background and historical process of the marketization of interest rates in our country, reviews recent developments and analyzes the impact of the marketization of interest rates. At last, it puts forward the problems and countermeasures that should be paid attention to in our country’s interest rate marketization reform from the new starting point.