利率市场化.无疑是近年来我国金融体制改革的主线。此次贷款利率管制的放开.则是我国金融体制改革水到渠成的结果。真正意义上的利率市场化.是一项系统工程.牵涉到金融机构、金融市场.甚至政府宏观调控理念的重大转变。不过,利率市场化并不仅是宏观层面的东西.从微观层面来看.利率市场化与老百姓的生活.投资.理财都有着千丝万缕的关系。 The marketization of interest rates is undoubtedly the main line of China’s financial system reform in recent years. The liberalization of the interest rate control on the loan is the result of China’s financial system reform. In the real sense, the marketization of interest rates is a systematic project that involves major changes in the financial institutions and financial markets, and even the government’s macro-control concept. However, the marketization of interest rates is not only a matter at the macro level, but at the micro level, market-based interest rates and people’s lives, investment and financial management are inextricably linked.