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1、利率市场化与我国国有商业银行对策Interestratesliberalizationwithourcountrystate-ownedCommercialbankcountermeasure利率市场化是中国金融体制改革的一项重要内容。随着中国金融市场的开放以及外资银行抢滩中国市场的深入，国有商业银行如何面对利率市场化的挑战，充分利用国际分工，积极参与国际金融竞争,以适应国际经济、金融一体化的要求,成为商业银行需要认真研究的课题。TheinterestratesliberalizationisaChina
2、reformofmonetarysystemimportantcontent.HastentogroundtheChinesemarketalongwithChinamoneymarket'sopeningaswellastheForeignbankthorough,howdoesthestate-ownedCommercialbankfacetheinterestratesliberalizationthechallenge,thefulluseinternationaldivisionoflabor,
3、participatesintheinternationalfinancecompetitionpositively,adaptstheinternationaleconomy,thefinancialintegrationrequest,becomestopicwhichtheCommercialbankneedstostudyearnestly.什么是利率市场化Isassortedistheinterestratesliberalization所谓利率市场化，是指金融市场资金供求双方自主确定利率水平的
4、利率决定机制的变迁过程。具体讲，利率市场化是指中央银行根据货币政策的需要调控基准利率，各商业银行根据资金市场的供求变化自主调节存贷款利率，最终形成以中央银行基准利率为引导，多层次、能够充分体现资金供求状况和反映中央银行货币政策意图的利率运行机制。利率市场化强调利率真实地反映资金成本与供求关系，灵活有效地发挥其经济杠杆作用Theso-calledinterestratesliberalization,isreferstothemoneymarketfundsupplyanddemandbothsidesin
5、dependentdeterminationinterestrateleveltheinterestratedecisionmechanismvicissitudeprocess.Saysspecifically,theinterestratesliberalizationisreferstotheCentralBanktoneedtoregulatethedatuminterestrateaccordingtothemonetarypolicy,variousCommercialbanksavesthe
6、rateonloanaccordingtothefundmarket'ssupplyanddemandchangeindependentadjustment,finallyformstaketheCentralBankdatuminterestrateastheguidance,multi-level,canmanifestfundsupplyanddemandconditionandthereflectioncentralbankmoneypolicyintentioninterestrateopera
7、tionalmechanismfully.Theinterestratesliberalizationemphasisinterestratereflectedreallythefundcostandthesupply-demandrelation,playitseconomicleversroleeffectivelynimbly一、我国利率市场化的现状First,ourcountryinterestratesliberalizationpresentsituation相对于中国经济改革和对外开放的整体
8、步伐而言，利率市场化改革进展较慢。就目前情况看，我国尚未完全实现利率市场化，利率管制造成利率这一重要的价格杠杆在资源配置方面的作用受到严重约束，利率结构扭曲。我国利率体系的市场化程度还比较低，主要表现在以下几个方面：IsoppositesaysintheChina'seconomicreformsandtheopeningtotheoutsideworldoverallstep,theinterestratesliberali
