本文提出了当前我国信贷要实现市场化,要运用利率机制合理分配建设资金,进而合理配置有限的社会资源和提高社会资源利用率。本文还论述了建立信贷市场要与经济体制改革同步,确立企业的利益机制与风险约束机制是发挥利率机制的基础。提出了建立社会主义信贷市场几点设想。 This paper proposes that China’s current credit should be market-oriented, and it should use the interest rate mechanism to rationally allocate construction funds, so as to rationally allocate limited social resources and increase the utilization of social resources. This article also discusses the establishment of the credit market to synchronize with the reform of the economic system, establishing the company’s interest mechanism and risk restraint mechanism is the basis for the interest rate mechanism. Some ideas for establishing a socialist credit market were proposed.