目前,我国利率市场化已在证券市场、货币市场、商业银行贷款等方面取得了一定的成就,但在我国利率市场化尚未得到完全实施,在实施的过程中将面临着许多挑战,更会带来一定的机遇。利率市场化,将会给商业银行间带来一定的竞争,并对其产生一定的影响。而如何应付这一现象的出现,如何很好的把握住机遇,将成为本文中探讨的重点。 At present, China’s interest rate marketization has made some achievements in the securities market, money market and commercial bank loans. However, the marketization of interest rates in our country has not yet been fully implemented and will face many challenges in the course of its implementation. To a certain opportunity. The marketization of interest rates will bring some competition to commercial banks and have some impact on them. How to cope with the emergence of this phenomenon, how to seize the opportunity well, will become the focus of this article.