Marketization of interest rates in the draw on the basis of relevant experience abroad steady progress from the 1990s onwards, China's foreign currency in accordance with the first, after the local currency, the first loan after the deposit, the first long-term, post-term, the first large, rear Small ideas, interest rates began to promote gradual market-oriented reforms. Currently, China People's Bank of deposit rate cap management practice, to allow proper fall, and part of the deposit interest rate decided by decentralized junction, which marks the deposit interest rate market taken an important step in the future, the deposit interest rate cap regulation will be gradually liberalized, which is to promote the reform of the monetary policy transmission mechanism, financial market development and the process of internationalization of the RMB, are of great significance and will China's commercial banks' overall development of the industry have a profound impact.