利率市场化是金融自由化的标志和核心。2012年央行不仅实行了降息政策同时还扩大存贷款利率的浮动区间,这意味着我们利率市场化的改革又往前推进了一步。近些年,我国从自身国情出发,针对利率市场化的理论基础、风险管理及策略等多个方面已经进行了非常深刻的研究。本文旨在对利率市场化的风险控制进行探讨与简要评述,以对提出相应的策略和建议来降低利率市场化的风险。 Marketization of interest rates is the hallmark and core of financial liberalization. In 2012, the central bank not only implemented the interest rate cut policy but also expanded the floating range of the deposit and loan interest rates, which means that the market-oriented reform of our interest rate has taken another step forward. In recent years, based on its own national conditions, our country has conducted a very profound study on the theoretical basis, risk management and strategy for the marketization of interest rates. The purpose of this paper is to discuss and briefly review the risk control of interest rate marketization in order to put forward corresponding strategies and suggestions to reduce the risk of marketization of interest rates.