Rmb deposit and loan interest rate float block expands gradually , and progressively move towards marketization day by day . part iii : on the basis of using the experience and lessons of the change of interest rate in other countries for reference in course of the interest rate marketization , it is believed that there should be a course of raising up slightly in the interest rate in the early stage . but the market fluctuations it causes will not be too much ; according to actual operation result and a medium or long term of the reform , foreign currency interest rate has already drawn close to international interest rate competence progressively ; viewed from a short time , rmb loan interest rate total competence will tend towards dropping , some loan interest rate may rise ; the interest rate of the deposit will raise up unilaterally 總體而言,發(fā)展中國家的存貸利差要高于發(fā)達國家;第二部分:在總結前幾年利率改革包括市場化改革的基礎上,認為,迄今為止,我國利率市場化改革的程度總體上還比較低:同業(yè)拆借利率、貨幣市場債券回購利率、現(xiàn)券交易利率、外幣貸款利率、大額外幣存款利率等已完全市場化或基本市場化,人民幣存貸款利率的浮動區(qū)間已逐漸擴大,并已漸進的方式日益走向市場化;第三部分:在借鑒境外利率市場化過程中利率變動的經驗教訓的基礎上,認為在我國利率市場化的初期,利率應該有一小幅上揚的過程,但是其造成的市場波動應該不會太大;從改革的實際運作結果和中長期來看,外幣利率已經逐步的向國際利率水平靠攏;從短期來看,人民幣貸款利率總水平將趨于下降,部分貸款利率有可能上升,存款利率將會單邊上揚。