利率市场化是指利率的生成机制、利率的传导途径以及利率的管理方式都通过市场来进行。目前利率市场化的进程有加速的趋势,后果就是市场利率波动幅度不断扩大,利率风险急速上升,财务公司的经营因此受到巨大而又深远的影响。 Market-based interest rate refers to the generation mechanism of interest rates, the transmission of interest rates and the management of interest rates through the market. At present, the process of marketization of interest rates has been accelerating. The consequence is that the volatility of market interest rates has been constantly expanding and the interest rate risks have risen rapidly. As a result, the operation of financial companies has been tremendously and far-reachingly affected.