摘 要经过多年的市场化发展和改革开放，利率上限以下的利率可以放开了，但存贷款参考利率的商业化仍有阻碍，企业贷款参考利率的存在与市场分析利率风险与“双息轨”问题并存的问题并存的问题。此次改革的最终目标是推进“一轨替两轨”的信贷利率,从而使市场报价利率(LPR)的创设管理机制完善进一步深入利率的市场化发展,提高我国的利率传导效率，有助于降低实体贸易融资环境的成本。此次改革的 LPR，意味着利率入市是非常重要的阶段。本文从不同角度对 LPR 改革对金融市场带来的影响进行分析，分析 LPR 各方面需要改进的地方，进行总结并得出一些客观的解决方案。关键词： LPR 改革；降息；两轨合一轨；利率市场化 AbstractAfter years of market-oriented development and reform and opening up, the interest rate below the upper limit of interest rate can be liberalized, but the commercialization of the reference interest rate for deposits and loans is still hindered. The existence of the reference interest rate for enterprise loans coexists with the problems of market analysis interest rate risk and "double interest track". The ultimate goal of this reform is to promote the credit interest rate of "one track for two tracks", so as to improve the creation and management mechanism of market quoted rate (LPR), further deepen the market-oriented development of interest rate, improve the efficiency of interest rate transmission in China, and help reduce the cost of the real trade financing environment. The LPR of this reform means that the interest rate entering the market is a very important stage. This paper analyzes the impact of LPR reform on the financial market from different perspectives, analyzes the areas that need to be improved in all aspects of LPR, summarizes and draws some objective solutions.Key words: LPR reform；reduction of interest；Two tracks in one ；marketization目 录1 引言.........................................
