放开金融机构贷款利率管制是向完全利率市场化改革迈进的重要一步。本文通过剖析商业银行在放开贷款利率管制后的不同反应及其原因,结合未来利率市场化改革的形势,对商业银行应对利率市场化的策略进行了研究,并从加快转型、完善机制、强化管理等方面提出了相关建议。 Letting go of the interest rate controls on lending by financial institutions is an important step toward marketization reform of complete interest rates. By analyzing the different reactions of commercial banks after liberalization of loan interest rates and their reasons, and combining with the market-based interest rate reform in the future, this paper studies commercial banks’ strategies to deal with the marketization of interest rates. From the perspective of speeding up transformation, improving mechanisms and strengthening Management and other aspects of the relevant recommendations.