【正文】 于非市場化 ,且其在 資金使用方面的風(fēng)險約束機(jī)制和利益推動機(jī)制尚不健全。再次 ,建立規(guī)范透明的財會制度 ,強(qiáng)化股東、外部監(jiān)管機(jī)構(gòu)對會計(jì)信息的監(jiān)督和發(fā)布。要牢牢把握利率市場化改革的指導(dǎo)方向 和基本原則，關(guān)注宏觀經(jīng)濟(jì)的運(yùn)行態(tài)勢、價格走勢、固定資產(chǎn)投資的增長情況以及國際上主要國家或地區(qū)的利率政策，以長遠(yuǎn)的發(fā)展眼光與戰(zhàn)略思維，分析選擇優(yōu)質(zhì)且發(fā)展?jié)摿薮蟮男刨J目標(biāo)客戶，合理排布、調(diào)整、優(yōu)化客戶結(jié)構(gòu)，積極轉(zhuǎn)變經(jīng)營模式，從粗放經(jīng)營轉(zhuǎn)向集約經(jīng)營，實(shí)現(xiàn)效益、質(zhì)量、規(guī)模的協(xié)調(diào)發(fā)展。感恩之余，誠懇地請各位老師對我的論文多加批評指正，使我及時完善論文的不足之處。三是加強(qiáng)市場中介制度建設(shè) ,推動市場經(jīng)濟(jì)業(yè)務(wù)發(fā)展 ,提高市場流動性。但利率市場化改革以后 ,利率將完全由市場供求決定 ,資金將隨著利率流動。根據(jù)利率市場化的國際經(jīng)驗(yàn)，中國未來存款的利率上限取消的步驟應(yīng)該是先中長期、大額 存款，后短期、小額存款，可能要經(jīng)歷一個較長時間的過渡期。 1998 年 9 月，放開了政策性金融債券的發(fā)行利率。利率市場化改革的基本原則是：正確處理好利率市場化改革與金融市場穩(wěn)定和金融業(yè)健康發(fā)展的關(guān)系，正確處理好本、外幣利率政策的協(xié)調(diào)關(guān)系，逐步淡化利率政策承擔(dān)的財政職能。若利率提高，股票的收益不變，就會出現(xiàn)處于股票市場中的資金轉(zhuǎn)而投向?qū)嶓w經(jīng)濟(jì)領(lǐng)域的現(xiàn)象。利率風(fēng)險的大 小就取決于市場利率波動的大小以及銀行資產(chǎn)和負(fù)債不匹配的程度。我國資金流通和運(yùn)作的 中心是銀行，銀行改革的成功與否對整個金融改革具有決定性的影響。與普通商品不同的是，資金交易的價格應(yīng)該存在期限差別和風(fēng)險差別。 關(guān)鍵詞： 利率市場化； 改革；商業(yè)銀行； 國民經(jīng)濟(jì)； 利率 ABSTRACT The interest rate marketization reform effect is based on market integrity as the premise, therefore in the interest rate marketization reform at the same time, we should pay attention to promote the related measures. In recent years, our country has been in to ensure financial stability, under the premise of steadily promote marketoriented interest rate, the interest rate marketization is an inevitable trend,which in china’s banking market and bring for the active petition also test in the mercial bank management mode and the business structure and so on various aspects of the overall current practice in China is lower loan, deposit cap control of interest rate policy, the interest rate control is a system arrangement to fit in with the traditional planned economy system, played a positive role in the specific historical period, but with the capital accumulation has reached a certain scale, its disadvantages gradually exposed,interest rate control to maintain the business bank monopoly profits, but due to the lack of power to provide financial services to small and mediumsizedenterprises, resulting in a large number of emerging corporate financing gap,causing financial repression to cater to the entity economy, medium and small enterprises financing needs,taking advantage of civil finance development, folklending as a widespread financing way, is flexible, fast, convenient advantage,In the market economic system of our country is developed, but the interest rate reform was not perfect ,which is more conducive to promoting China’s economic and financial reform further deepening and integration into the global economic and financial, This paper through the introduction of the interest rate marketization, reviewing interest rate marketization process,research the general ideal of interest rate marketization, which system analysis of China’s interest rate marketization process of the problems and effect,is the main contents of the study. Keywords： interest rate liberalization ； reform。從微觀層面上說，市場利率比計(jì)劃檔次更多，結(jié)構(gòu)更為復(fù)雜，市場利率是根據(jù)市場上交易量