自1995年利率市场化改革的基本思路初步提出以来,我国的利率市场化虽然已经取得了一些可喜的成果,但是由于作为其主要的微观经济主体国有商业银行和国有企业的改革滞后,我国的利率市场化一时难达到其目的。 Since the basic idea of ​​the marketization of interest rate reform was initially put forward in 1995, although some marvelous achievements have been made in our marketization of interest rates, due to the lagging reform of state-owned commercial banks and state-owned enterprises, the main microeconomic entity, the interest rate of our country It is hard to achieve its goal in a time of marketization.