本文从金融约束的角度对存贷款利率市场化次序进行了理论分析,并结合我国当前的具体国情,指出目前的次序安排是国民储蓄习惯在短期内难以较快改变,以及政府在入世后保护国有商业银行利益的客观选择。 This article analyzes the order of marketization of deposit and lending interest rates from the perspective of financial constraints. Based on the current specific national conditions in our country, we point out that the current arrangement is that it is difficult for national saving habits to change rapidly in a short period of time, and that the government protects state-owned Objective Choice of Commercial Bank Interests.