利率市场化是我国金融市场国际化重要一步,但同时我国商业银行也面临着诸多压力和挑战,如何最大化的发挥利率市场化的优势和规避其带来的风险与挑战是一个值得深入研究和探讨的课题。 The marketization of interest rate is an important step toward the internationalization of China’s financial market. However, at the same time, China’s commercial banks are also faced with many pressures and challenges. How to maximize the advantages of market-based interest rates and avoid the risks and challenges they bring is an issue worthy of further study. Discussion topics.