随着我国社会主义市场经济体制的不断发展,金融体制改革也在有条不紊地进行,专业银行已逐步向商业银行转换,存款之行和追逐利润已成为各行经营宗旨,金融竞争日趋激烈,从中也伴生出一系列问题,存贷款利率违规问题虽经人民银行三令五申、多次检查,但仍有部分银行和非银行金融机构我行我素、屡查屡犯,且违规形式更为巧妙,由公开转为隐蔽,由地上转为地下。本文从存款和贷款两方面分析利率违规的几种类型。 一、存款方面 With the continuous development of China’s socialist market economic system, the reform of the financial system is also proceeding in an orderly manner. The transformation of specialized banks into commercial banks has gradually taken place. Deposit-making trips and chasing profits have become the business objectives of all branches of the economy. Financial competition has become increasingly fierce, However, some banks and non-bank financial institutions still go some-for-nothing and repeatedly investigate repeated offenders. The irregular form of the offense is more clever, from the public to the covert, From the ground to underground. This article analyzes several types of interest rate violations from both deposits and loans. First, the deposit side