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利率是我国国民经济发展水平的主要表现形式,利率市场化在一定程度上反映了借贷市场的发展需要,是我国市场经济体制改革的主要领域。改革开放以来,我国对利率市场化的演变不断完善创新,并取得了良好的收益。在新的时期,由于我国社会主义市场经济体制还处在完善的阶段,一些客观的因素限制了利率的市场化进程,引发风险。在当前全球经济一体化的趋势下,世界各国经济来往密切,我国利率的市场化显得尤为重要。
Interest rate is the main manifestation of the level of national economic development in our country. The marketization of interest rate reflects to some extent the development needs of the lending market and is the main area of market economy system reform in our country. Since the reform and opening up, China has continuously improved and innovated the evolution of the marketization of interest rates and achieved good returns. In the new period, as China’s socialist market economic system is still at a perfect stage, some objective factors have restricted the marketization of interest rates and triggered risks. Under the current trend of global economic integration, the economies of all countries in the world are closely interlinked. The marketization of interest rates in our country is particularly important.