2012年6月8日和7月6日,我国金融机构人民币存贷款基准利率及其浮动区间经历了两次调整。其中,允许存款利率上浮至基准利率的1.1倍,是改革存款利率上限管理的突破性尝试,完成了利率市场化改革的一次飞跃。为了解利率市场化新政对金融机构的影响效应,本文以辽宁省为例,进行了专题调查。一、存款利率调整政策对辽宁省金融机构的影响(一)存款挂牌利率形成三大阵营经过一段时间的调整后,辽宁省金融机构依据存款挂牌利率的浮动幅度大致分成三大阵营。第一阵营以工、农、中、建等国有大行为代表,活期存款利率与基准利率持平,一年期及以内的定期存款利率上浮8%-9%不等,二年期及以上的定期存款与基准利率持平。第二阵营以资产规模较大的城市商业银行为代表。各期限存款利率均上浮到顶、为基准利率的 June 8 and July 6, 2012, China’s financial institutions renminbi deposit and lending benchmark interest rates and its floating range has undergone two adjustments. Among them, allowing deposit rates to float up to 1.1 times the benchmark interest rate is a breakthrough attempt to reform the ceiling of deposit interest rates, and a leap in market-oriented interest rate reform was completed. In order to understand the impact of the new liberalization of interest rate on financial institutions, this paper takes Liaoning Province as an example and conducts a special survey. I. Impact of Deposit Interest Rate Adjustment Policies on Liaoning Financial Institutions (I) Formation of Deposit-led Interest Rate After the adjustment of the three major camps, the financial institutions in Liaoning Province are roughly divided into three camps based on the fluctuation of deposit interest rates. The first camp is represented by state-owned large-scale businesses such as industry, agriculture, medium and construction. The demand deposit rate is the same as the benchmark interest rate. The fixed deposit interest rates in one year and within the period range from 8% to 9%. The period of two years and above Deposits and benchmark interest rates were flat. The second camp to large-scale assets of the city commercial banks as the representative. The deposit interest rates of all periods have risen to the top for the benchmark interest rate