一、我国利率市场化的现状翻译时制作一个简单的表格（表格无要求，看的顺眼就行）我国推进利率市场化的途径和步骤尽管利率的市场化对我国金融体制的进一步改革和完善势在必行，但在我国的利率市场化进程中，也不能操之过急，必须根据金融市场发展的成熟程度有计划、分步骤地进行。
1、改革利率管理体系。
一是体现整体水平，国家有所控制，能放能收，执行灵活；二是遵循客观经济规律，能优化资金配置；三是能调动各级银行管理利率的积极性。
最终建立起一个“多层次、有差别、敢开放、能控制”的比较科学的利率管理体系。
所谓“多层次”，就是要改变一统到底的高度集中统一的利率管理制度，建立一个由各级银行有利率管理权、能适应经济发展需要、有伸缩性的多层次的利率管理体系：中央银行主要管理基准利率、利率极限与往来利率的确定；各商业银行及其分支机构可以在规定的范围内，按照资金供求关系确定融通资金的利率和民间资金自由借贷的利率。
所谓“有差别”，就是对不同情况的存贷款，实行不同档次的差别利率，包括存贷差别、效益差别、行业差别、时间差别、风险差别等。
所谓“敢开放”，是指存贷款利率不仅有差别，而且在已确定的差别利率的基础上敢于放开，最大可能地实现利率的市场化。
所谓“能控制”，是指利率在各个层次都实行差别利率并敢于放开的同时，中央银行能把握住利率变化规律，对利率发展的趋势实行有效控制。
2、实施分步推进策略。
就利率管理体制而言，可以分三步走：第一步，在调整银行利率水平和利率结构的同时，建立中央银行再贷款利率为基准的利率体系，调高中央银行再贷款利率，使其高于商业银行吸收存款的平均成本。
这一步已经有所体现，但仍要完善提高。
同时，要进一步放松管制，让银行间拆放利率自由协定。
并且要对经济发达地区的金融机构，先行放开利率管制。
第二步，中央银行只规定存款利率上限和贷款利率下限，在这个范围内允许自由浮动，允许更多的金融机构开放，实现利率的市场化。
中央银行主要通过再贷款利率加以控制和调节。
第三步，在加入WTO后，经过一段时期的运作，可以考虑只管少数利率，其余全部放开，基本实行利率的市场化。
3、开发短期国债市场。
没有发达的短期国债市场，金融产品的定价就失去了衡量标准，而非理性的定价很容易产生价格扭曲。
在中央银行通过公开市场业务来调控基础货币的时候，一个发达的短期国债二级市场是必不可少的基础，也是利率传导机制的出发点。
除了为中央银行货币政策的操作提供基础外，由不同期限国库券的市场交易价格所确定的市场利率期限结构，为货币政策的制定也提供了重要的市场信息，基本能客观反映市场对利率走势的预期，是非常重要的市场预警信号。
目前，我国缺乏一个发达的短期国债市场，品种不多，发行量少，未能竞价发行，没有形成活跃的二级交易市场。
因此，应大力开发短期国债市场，一方面短期国债市场可以作为金融市场最重要的参照坐标，一方面还可使国有商业银行的短期流动资金找到更为合适的出路，同时能为国家筹集最大化的建设资金，解决季节性和临时性资金周转。
4、加强银行自身建设。
中央银行应当把更大的注意力放在利率的调控上，既有必要规定市场短期利率的上限和下限，更有必要灵活地调整再贷款和再贴现的利率，时而使它们成为惩罚利率，时而也可以使它成为优惠利率，总之使其成为市场利率的基准。
要增加利率的档次，使之同融资的期限、风险和流动性等差异相适应。
要强化利率的约束性，如提前支取的定期存款一律按活期存款计息，逾期贷款的利率要大幅度提高。
商业银行要提高业务操作素质，进一步建立风险防范和补偿机制，并加强对市场的调研，培养驾驭市场的能力。
利率市场化的实施步骤具体表现为：⑴对利率进行频繁的小幅调整；⑵完善同业拆借市场，使同业拆借利率成为中央银行间接调控的目标利率；⑶适时开放贷款利率，由商业银行根据成本、期限、风险、市场供求等因素自行决定，中央银行只通过再贴现率调整，扩张或紧缩的货币政策进行间接调控；⑷逐步放开存款利率，中央银行只规定一年期的存款利率，商业银行以此为基础制定各档次期限的利率。
利率水平和利率结构不合理利率水平和利率结构不合理主要表现在：前几年由于政府采取低利率政策，利率水平处于历史最低点，存贷款利差不断缩小，目的是维持宽松货币环境以促进经济增长，但是个人储蓄不仅没有大量流失，相反个人储蓄18%的速度快速增长；这两年，又因为股市，基金的上涨，大量储蓄资金流向股市，这不仅抑制了商业银行发放贷款的冲动，而且还使商业银行经营活动的盈利性、安全性和流动性受到较大影响。
结论我国利率市场化既是世界经济一体化的大势所趋，也是我国发展社会主义市场经济的必由之路，是不以人们意志为转移的客观要求。
目前我国资金供求较为均衡、宏观经济形势较为稳定，通货膨胀率较低，是推行利率市场化的最佳时机。
同时，利率市场化也对我们商业银行既带来机遇，也带来挑战，我们要把握时机，迎接挑战，加快推进利率市场化，积极推进国有商业银行进行股份制改造，建立现代化商业银行经营管理模式，敢为人先，勇于创新，才能在同业竞争中立于不败之地。
参考文献也要翻译！参考文献：中国人民银行发布. 《2002年度货币政策执行报告》黄建锋著. 《利率市场化与商业银行管理》. 机械工业出版社2001黄金老. 利率市场化与商业银行利率风险控制.《经济研究》2001.1谢平/安东尼.G.科因等编著. 《利率风险的控制与管理》. 经济科学出版社1999 董青. 浅析国有商业银行内部控制体系的建设.《财经理论与实践》2001.2黄湃. 论利率市场化与商业银行金融创新.《金融市场》2001.1《利率市场化的国际经验分析与借鉴》彭小泉《中国证券报》2000年8月3日《谈我国利率市场化进程》王遥新浪网检索《我国利率市场化改革》巴曙松新浪网检索《利率市场化：中国金融改革面临的选择》张曙光人民日报网《学会应对利率市场化》李皓《城市金融论坛》1998年11期《金融时报》2000年9月9日顾丽文First, our country interest rate market present situationOur country advances the interest rate market way and the stepAlthough the interest rate market and consummates imperative to theour country monetary system further reform, but in our countryinterest rate market advancement, also cannot act with undue haste,must have the plan according to the money market development maturedegree, gradually carry on.1st, reform interest rate management system. One, manifests theoverall level, the country has the control, can put can receive, theexecution is nimble; Two, follows the objective economic law, can optimize the funddisposition; Three, can transfer all levels of banks managementinterest rate the enthusiasm. Finally establishes "multi-levelly, hasthe difference, dares to open, can to control" the quite scientificinterest rate management system. So-called "multi-level", is mustchange the interest rate control system which series high degree ofconcentration unifies, establishes by the all levels of banksadvantageous rate authority, can adapt the economical development toneed, to have the elastic multi-level interest rate management system:Central Bank main management datum interest rate, interest rate limitand intercourse interest rate determination; Various commercial bankand its the branch office may in the stipulation scope, according tothe fund supply and demand relations determine friendly passes theinterest rate which the fund theinterest rate and the folk fundfreely lends money. So-called "has the difference", is saves the loanto the different situation, the implementation different scaledifference interest rate, including saves the loan difference, thebenefit difference, the profession difference, the time difference,the risk difference and so on. So-called "dares to open", is referssaves the loan interest rate not only to have the difference, moreoverin the difference interest rate foundation which determined has daredto let loose, most greatly possibly realizes the interest rate market.So-called "can control", is refers to the interest rate all toimplement while each level which the difference interest rate anddares to let loose, the central silver behavior grasps the interestrate change rule, to interest rate development tendency implementationactive control.2nd, implements the minute step of advancement strategy. Speaking ofthe interest rate management system, may divide three step walks: Thefirst step, while adjusts the bank rate level and interest ratestructure, establishes the Central Bank to loan the interest rateagain for the datum interest rate system, adjusts the high CentralBank to loan the interest rate again, causes it to be higher than thecommercial bank to absorb the deposit the average cost. This stepalready had manifests, but still had to consummate the enhancement. Atthe same time, must further relax the control, lets between the bankmake a chop loan the interest rate free agreement. And must to theeconomical developed area financial organ, let loose the interest ratecontrol in advance. The second step, the Central Bank only stipulatedthe deposit interest rate upper limit and the loan interest rate lowerlimit,permit the free fluctuation in this scope, allows the morefinancial organ to be open, realization interest rate market. TheCentral Bank mainly through again loans the interest rate to performto control and the adjustment. The third step, after joins WTO, passesthrough section of times operations, may consider the minorityinterest rate, other completely let loose by all means, basicallyimplements the interest rate the market.3rd, development short-term national debt market. Not the developedshort-term national debt market, the financial product fixed price haslost the weight standard, but the non- rational fixed price is veryeasy to have the price distortion. In the Central Bank regulates thefoundation currency through the open market service time, developedshort-term national debt two levels of markets are the essentialfoundations, also is the interest rate conduction mechanism startingpoint. Besides provides the foundation for the Central Bank monetarypolicy operation, determines the market rate deadline structure by thedifferent deadline treasury bill market transaction price, has alsoprovided the important market information for the monetary policyformulation, the basic performance objective reflection market to theinterest rate trend anticipated, is count for much market earlywarning signal. At present, our country lacks a developed short-termnational debt market, the variety are not many, 发行量are few, hasnot been able to compete the price release, has not formed the activetwo levels of transactions market. Therefore, should vigorouslydevelop the short-term national debt market, on the one hand theshort-term national debt market may take the money market mostimportantreference coordinates, on the one hand also may cause thestate-owned commercial bank the short-term floating capital to find amore appropriate outlet, simultaneously can for the nationalcollection maximization construction fund, the solution seasonalcharacteristic and the temporary turnover of capital.4th, strengthens the bank own construction. The Central Bank must puta bigger attention in the interest rate regulation, also has theessential stipulation market short-term interest rate the upper limitand the lower limit, has the necessity nimbly to adjust loans and therediscounting interest rate again, from time to time causes them tobecome the penalty interest rate, from time to time also may cause itto become the preferential benefit interest rate, in brief causes itto become the market rate the datum. Must increase the interest ratethe scale, causes it with the financing deadline, the risk and thefluid grade out of phase adaption. Must strengthen the interest rateboundedness, if draws out ahead of time the deposit account allpresses the current deposit to count the rest, exceeds the time limitthe loan interest rate to have large scale to enhance. The commercialbank must improve the service operation quality, further establishesthe risk to guard against and to compensate the mechanism, andstrengthens to the market investigation and study, raises controls themarket the ability.The interest rate market implementation step concrete manifestationis: (1) Carries on the frequent small adjustment to the interest rate;(2) The perfect same business borrows the market, causes same businessto borrow the interest rate to become the Central Bank indirectregulation the goal interest rate; (3) At the right momentopens theloan interest rate, by the commercial bank according to factor and soon cost, deadline, risk, market supply and demand voluntarily decided,the Central Bank only through 再贴现率the adjustment, themonetary policy which the expansion or reduces carries on the indirectregulation; (4) Gradually lets loose the deposit interest rate, theCentral Bank only stipulated a year time the deposit interest rate,the commercial bank formulates various scales deadline interest ratetake this as the foundation.The interest rate level and the interest rate structure areunreasonableThe interest rate level and the interest rate structure unreasonablemainly display in: Most recent several years because the governmentadopts the low interest rate policy, the interest rate level is in thehistorical most low point, saves the loan advantage differenceunceasingly to reduce, the goal is the maintenance loose currencyenvironment promotes the economy to grow, but individual deposit notonly does not have massively to drain, on the contrary personallydeposits 18% speed fast growth; These two years, and further becauseis the stock market, the fund rise, massively deposits the fund toflow to the stock market, this not only suppressed the commercial bankto provide the loan the impulse, moreover also caused the commercialbank to manage active the profit, the security and the fluidity comesunder a more tremendous influence.ConclusionOur country interest rate market since world economics integrationultimately, also is our country develops the socialist market economyway that must be taken, is not take the people will as the shiftobjective request. At present our country fund supply and demand morebalanced, macroscopic economical situation stabler, the inflation rateis lower, carries out the interest rate market best opportunity.At the same time, the interest rate market also already brings theopportunity to our commercial bank, also brings the challenge, we mustgrasp the opportunity, meets the challenge, speeds up the advancementinterest rate market, positively advances the state-owned commercialbank to carry on the joint stock system transformation, establishesthe modernization commercial bank to manage the management pattern,dares the manner first, dares to innovate, can in the trade or craftcompetition neutrality to the invincible position.Reference:The People's Bank of China issued "2002 Year Monetary policyExecution Report" Huang Jianfeng "Interest rate Market And Commercial bank Manage"Mechanical industry publishing house 2,001The gold is old Interest rate market and commercial bank interestrate risk control "Economical Research" 2001.1实用标准文案Thanks even/Antony G. Coyne and so on arranges "Interest rate RiskControl And Management" Economic science publishing house 1,999Dong Qing Brief analysis state-owned commercial bank internal controlsystem construction "Finance and economics Theory And Practice"2001.2Huang Pai By interest rate market and commercial bank financeinnovation "Money market" 2001.1"Interest rate Market International Experience Analyzes AndProfits from" Peng Xiaoquan"Chinese Negotiable securities Newspaper" on August 3, 2000"Discussed Our country Interest rate Market Advancement" kingremote Sina Net retrieves"Our country Interest rate Market Reform" Pakistan 曙pineSina Net retrieves "Interest rate market: The Chinese finance reform faces choice"dawn People's Daily net"Academic society Should to Interest rate Market" Li white"City Finance Forum" in 1998 11 issues"Financial Times" on September 9, 2000 Gu Liwen精彩文档。