利率市场化是建设社会主义市场经济体制、发挥市场配置资源作用的重要内容,是加强我国金融间接调控的关键,是完善金融机构自主经营、提高竞争力的必要条件。从1996年开始,我国利率市场化改革进程不断加快,2004年1月1日再次扩大了贷款利率浮动区间,2004年10月29日全面放开了商业 Marketization of interest rates is an important part of building a socialist market economic system and giving full play to the role of the market in allocating resources. It is the key to strengthening the indirect regulation of finance in our country and the necessary condition for improving the self-management of financial institutions and enhancing their competitiveness. Since 1996, the process of marketization of interest rates in our country has been accelerating. On January 1, 2004, the floating range of lending rates was once again expanded. On October 29, 2004, commercial liberalization was fully liberalized