利率市场化面临的真正挑战,是放开后能否真正形成市场化的利率体系,能否真正形成有效的中央银行的利率调控体系2013年7月20日,中央银行宣布放开贷款利率下浮限制,利率市场化又迈出了重要一步。但利率市场化是一个整体,其中既包括中央银行放松 The real challenge facing the marketization of interest rates is whether a market-based interest rate system can really form after its liberalization and whether an effective central bank interest rate control system can really form. On July 20, 2013, the Central Bank announced that it should liberalize the lending rate limit The interest rate liberalization has taken another important step. But the marketization of interest rates is a whole, including both the relaxation of the central bank