我国利率市场化改革的难点及对策分析

利率市场化是金融市场实现资源合理配置的重要内容，是加强金融间接调控的关键，对于推进建立现代企业制度及改革其他相关制度，优化资金配置、调整国民经济结构都具有极其重要的作用。近些年来，我国的利率市场化水平有了很大的提高，利率机制时市场的导向作用也在不断加大。结合利率市场化改革的进程，深入细致地分析并制定出行之有效的应对之策，对于我国利率市场化改革的进一步深化无疑具有积极的推动作用。

The difficulties and countermeasures in the marketability reform of interest rate in China

The marketability of interest rate in china is not only an important content of realizing the rational allocation of resources but also the key to strengthen the indirect controlling of finance, It plays a critical role in setting up the modern enterprise system, optimizing the allocation of capital and modifying the structure of national economy. In recent years, the marketability of interest in China has improved greatly and the interest rate mechanism has directed market constantly. However, we are far from the totally marketability of interest rate . There will be a positive pushing effect on Marketability Reform of Interest Rate in China if we can analysis the difficulties intensively and make effective countermeasures associated with the process of the reform of marketability of interest rate .