随着市场经济的不断完善与发展,银行利率正在向着市场化方向迈进。利率市场化的出现尽管标志着我国经济的发展步入一个新的台阶,但是其存在是具有双面作用。此种现象的出现一方面可以促进银行市场化,加快其改革制度,利于整体经济市场金融体系的健全与发展。而另一方面,由于银行的风险管理制度还不完善,极有可能造成系统性风险。而农村信用社在利率市场化之后组织资金的能力开始增强,经营状况也较之前要有所改善,民间私自借贷的行为也极大的减少。但同时其存款的增加的幅度不明显,在利率上调之后更加难以开展贷款营销工作。 With the continuous improvement and development of the market economy, bank interest rates are moving toward marketization. Although the emergence of the marketization of interest rates marks the development of our economy has entered a new stage, its existence has a double-sided effect. On the one hand, the emergence of such phenomena can promote the marketization of banks, speed up the reform of the system, and contribute to the soundness and development of the financial system in the overall economic market. On the other hand, due to the imperfect risk management system of banks, it is very likely to cause systemic risk. However, the RCCs’ ability to organize funds after the interest rate liberalization began to increase. The operating conditions of the rural credit cooperatives also improved compared with the previous ones, and the private loans by private investors also decreased drastically. However, at the same time, the increase of deposits is not obvious, making it more and more difficult to carry out loan marketing work after the interest rate increase.