本文通过分析利率对企业投融资决策的影响，提出了在利率市场化条件下，企业投融资体制改革的对策。
By analyzing the impact of businesses, the writer proposes countermeasures for business reform in investment and financing system, under the condition of marketization of the interest rate.
当前利率市场化的最大障碍是微观主体对利率的定价能力仍相当弱，微观主体在与央行对利率决定的博弈中处于完全的弱势。
The biggest obstacle to marketing interest rate is micro-individuals are weak both in pricing interest rate and interest rate decision in the game with the central bank.
在我国，利率市场化是一种强制性制度变迁过程。
In our country, the marketization of interest rate is a process of mandatory system change.
在利率市场化后，利率的变动与证券市场之间的相互影响对于整个经济的稳定非常重要。
The influence between the change of interest rate and security market will have an important role on the stabilization of whole economy after implementing interest-rate marketization.
在利率市场化没有完全推出的情况下，银行存贷款利率没有可参考的标准的收益均值。
Besides, the interest rate for deposits and loans can not serve as reference on the revenue either, with reference to the regulated interest rate.
所以，在我国利率市场化的大背景下尽快建立符合自身特点的FTP体系以应对日益严峻的市场利率风险我国商业银行的自然选择。
Thus the commercial banks in our country should establish a suitable FTP system in order to deal with the increasing risk of the interest rates in the market.
所以，在我国利率市场化的大背景下尽快建立符合自身特点的FTP体系以应对日益严峻的市场利率风险我国商业银行的自然选择。
Thus the commercial banks in our country should establish a suitable FTP system in order to deal with the increasing risk of the interest rates in the market.
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