进入“十二五”时期,我国的利率市场化改革再次站在了风口浪尖上,成为学者和媒体讨论的焦点。本文着重对存贷款利率的市场化问题进行探讨,从阐述我国长期以来利率管制的逻辑入手指出当前放松利率管制的紧迫性,并对推出存款利率上浮机制的必要性、可行性进行了分析,最后对实施步骤进行了探讨。 Enter the “Twelfth Five-Year” period, the interest rate liberalization of our country once again stood at the cusp of reform and become the focus of discussion of scholars and the media. This article focuses on the issue of marketization of deposit and lending interest rates. From the logic of our country’s interest rate regulation for a long time, it points out the urgency of the current interest rate liberalization and analyzes the necessity and feasibility of introducing the deposit interest rate floating upward. Finally, The implementation steps were discussed.