我国利率市场化改革方案的设计

Device of Interest Rate Marketization Reform Plan in Our Country

利率市场化浪潮已在世界范围内兴起，利率市场化改革在我国也已是大势所趋，本文从目前经济、金融环境、市场机制、产权制度、央行地位、专业银行商业化、银行体系多元化、金融市场等七个方面进行综合分析，提出了我国利率市场化的目标以及利率市场化改革应走渐进的道路，并提出了利率市场化体系的实施方案，为我国利率市场改革提供借鉴和参考。

Interest rate marketization tide has already risen all over the world. Interest ratemarketization reform is also the trend of the times in our country. This article comprehensiveanalyzes fromcurrent economic, financial environment, market mechanism, property rightsystem, central bank position, specialized banks commercialized, bank system diversify, financial market ect. The seven aspects, the author points out that step-by-step reform methodshould be used in our country's interest rate marketization. reform and puts forward the implementation of the interest rate marketization system, warnings to supply reference to ourcountry's interest rate marketization.