存贷款利率市场化是利率市场化的重要组成部分，也是利率市场化完成的标志。

The deposit and loan interest rate liberalization is not only an important part but also the symbol of the completion of the interest rate liberalization.

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利率市场化后我国的利率结构主要是中央银行的再贴现率、金融市场利率及金融机构存贷款利率。

After the liberalization Chinese main interest rate structure is rediscount of central bank, financial market rate and deposit-withdrawl rate of financial unit.

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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.

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