利率市场化的理性思考

利率市场化的实质是资金价格的决定权交给市场，由市场主体自主决定的过程。我国利率市场化尚面临一系列的问题。微观基础不完善，金融监管体制不规范，金融市场低效率以及国有商业银行的经营机制均制约了利率市场化的进程。建立健全金融分级监管体制，保持宏观经济的稳定，加快企业改革尤其是国有商业银行的企业化步伐，以现代企业制度的建立构建利率市场化的微观基础，并积极建立高效的金融市场是利率市场化的实现条件。

Reasonable Consideration on the Realization of Market Interest

The essence of market interest means the price of fund is decided by market. Some problems exist in the system of Chinas market interest. The lack of normative system including scientific micro - foundation, financial supervision, and financial efficiency holds the reform back. The construction of financial supervision, stable macro - economy, effective financial market and the reform of enterprises especially the state - owned banks are the conditions of the realization of market interest.