我国金融改革的必然选择--利率市场化

加入WTO后，我国金融改革的步伐加快，利率市场化问题更是被货币当局提上了议事日程，成为我国金融改革的必然选择。本文针对我国金融界长期关注的热点问题，从建立和完善我国市场经济体制角度出发，借鉴国际上推行利率市场化国家的成败得失，客观地分析了我国推行利率市场化的内外部环境，指明了我国目前实现利率市场化的挑战和机遇，提出了实施利率市场化的若干对策。

The Inevitable Choice of Chinese Finance Reform --The Using of Market Interest Rates

With the entry of WTO, China begins to speed up its finance reform. The using of market interest rates, which now is the major problem faced by the monetary authority has become the inevitable choice of Chinese finance reform. In this article, the author mainly discusses this domestically concerned topic from the angle of setting up and perfecting market economy system. He refers the experience of other countries that also adopt market interest rates, analyses the international and domestic environments and points out the advantages as well disadvantages to realize them. Some solutions and measures are also offered in this article.