Try to analyze the interest rate marketization reform in China.

Answer:(1) The meaning of interest rate marketization reform. Interest rate market-oriented reform refers to the process by which countries with interest rate control gradually or completely give up direct control of interest rates and shift to market-determined interest rate levels through the establishment of market mechanisms, regulation of financial institutions and other measures.

(2) The goal of China's interest rate market-oriented reform.

①To make the interest rate become an important economic lever to guide the flow of funds, regulate the supply and demand of funds, and promote the rational allocation of resources, which is the core of the marketization of interest rates, and is also the inevitable requirement for the effective operation of the market mechanism.

②The establishment of a dynamic interest rate mechanism to break the rigidity of interest rates.

3 in the liberalization of interbank lending rates on the basis of the level of interest rates gradually fine-tuned in place.

④Correct the inverted deposit and loan spreads and create basic conditions for the commercialization of state-owned commercial banks.

5. To implement the interest rate management model combining state management and market decision, and to establish an interest rate system suitable for the socialist market economy system. (3) The choice of steps for the implementation of China's interest rate marketization reform.

The first step: foreign before domestic, i.e. liberalize foreign currency deposit and loan interest rates first, and then liberalize RMB deposit and loan interest rates.

The second step: the market before the bank, that is, first liberalize the financial market interest rates, and then liberalize the bank deposit and loan rates.

The third step: lending before depositing, i.e., liberalizing lending rates first and then deposit rates.

The fourth step: rural before urban, i.e., liberalize rural deposit and loan interest rates (rural credit unions) first, and then liberalize urban deposit and loan interest rates.

The fifth step: large before small, i.e., liberalize interest rates on large deposits first, and then on small deposits.

(4) China's interest rate market-oriented reform should pay attention to the problem.

①Constructing China's benchmark interest rate system, so that the marketization of interest rates with due market alignment.

②To basically solve the reality of China's financial industry monopoly.

③To prevent the deterioration of the macroeconomic environment.

④To prevent exacerbating the imbalance of regional economic and industry development.

⑤The financial supervision of the central bank should be strengthened.

6 To prevent the vicious arbitrage of international lobbying and ensure the balance of payments.