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利率市场化指金融机构在货币市场经营融资的利率水平由市场供求来决定,包括利率决定、利率传导、利率结构和利率管理的市场化。实际上,就是将利率的决策权交给金融机构,由金融机构自己根据资金状况和对金融市场动向的判断来自主调节利率水平,最终形成以中央银行基准利率为基础,以货币市场利率为中介,由市场供求决定金融机构存贷款利率的市场利率体系和利率
The market-based interest rate refers to the interest rate of financial institutions operating in the money market. The level of interest rates is determined by market supply and demand, including the determination of interest rates, the conduction of interest rates, the structure of interest rates and the marketability of interest rate management. In fact, the decision-making power of interest rates is handed over to financial institutions, which themselves adjust their interest rates according to the state of funds and judgments on financial market movements. Finally, they form an intermediary system based on the central bank’s benchmark interest rate and the money market interest rate The market interest rate system and interest rate that determine the deposit and loan interest rates of financial institutions by market supply and demand