利率市场化下居民投资理财研究摘 要有关利率方面的调整工作，中央银行一直在进行，并于 2015 年 10 月 24日将其彻底整改，先是降息降准再是将存款利率的上限取消。此次变革对我国有着多方面不同程度的影响，比如有关利率的一些市场环境都会随之改变。改革的根本目的就是在金融方面改善民生，使人民的经济水平和生活水平得到提升，但改革并没有使多元化的结构得以完全形成，因此还是会面临一些风险和问题。故而本文对此进行探究，指出其影响，提出相应策略。【关键词】利率市场化 居民理财 理财结构1AbstractRegarding the adjustment of interest rates, the Central Bank has been conducting it and completely rectified it on October 24, 2015. First, the rate cut will be lowered and the upper limit of the deposit interest rate will be cancelled. This change has many different degrees of impact on China, such as some market conditions related to interest rates will change. The fundamental purpose of the reform is to improve people's livelihood in finance and to improve the people's economic level and living standards. However, the reform has not completely formed the structure of pluralism, so it still faces some risks and problems. Therefore, this paper explores this, points out its impact, and proposes corresponding strategies.Keywords: interest rate marketization, resident financial management, financial structure2 目 录引言...........................................................................................................................................3一、利率市场化理论................................................................................................................3二、利率市场化对金融市场的影响........................................................................................4（一）金融机构间竞争将进一步加剧............................................................................4（二）金融机构综合化经营趋势将进一步加强............................
