利率市场化背景下,我国利率的确定由原先的政府管制逐渐向市场确定的转变,这是我国金融业健康发展的必然要求。但是,在现阶段,由于我国的金融业结构和法治仍然存在一些不完善之处,尤其是竞争法在其中的功能和作用并未得到深入认识,因此为维护金融秩序的稳定与发展,有必要针对利率确定的垄断行为进行竞争法规制。 Under the background of the marketization of interest rates, the determination of the interest rate of our country has gradually changed from the original government control to the market. This is a necessary requirement for the healthy development of China’s financial industry. However, at this stage, there are still some imperfections in China’s financial structure and the rule of law. In particular, the function and role of competition law in it have not been fully understood. Therefore, in order to maintain the stability and development of the financial order, Competition rules for the monopoly of interest rate determination.