当前我国金融市场利率结构仍是由法定利率和市场利率组成的双轨制，至今尚未形成以某一基准利率为核心的市场利率体系。
At present , the structure of our country financial market interest rate system is still a two-track system which is composed of the state rate and the market rate . Until now , the system has not yet forms its benchmark interest rate .
利率双轨制