渐进式的利率市场化改革近二十余年来,中国利率市场化以渐进改革的方式逐步推进,我国货币市场、债券市场、外币存贷款市场已经基本实现了利率市场化,人民币的存贷款利率虽然还分别设有上、下限,但很多实质上的存贷款利率市场化产品已经为市场所接受。主要体现在以下两个方面:一是非金融企业债务工具的市场化发行,从某种意义上说,实际上是一种变相的贷款利率市场 Progressive market-based interest rate reform In the past two decades and more, the marketization of interest rates in China has been gradually promoted through gradual reform. The market for interest rates in China’s money market, bond market and foreign currency deposit and loan market has basically been realized. The deposit and lending interest rates of the renminbi Although there are also upper and lower limits, but a lot of substantial interest rates on deposit and lending market-oriented products have been accepted by the market. Mainly reflected in the following two aspects: First, the market-based issuance of non-financial corporate debt instruments, in a sense, is actually a disguised market for lending rates