Based on the theory of interest rate marketization and the policy background, the article points out that the challenge in the process of interest rate marketization in our country for the small and medium-sized banks, and puts forward the countering measures for small and medium-sized banks coping with the interest rate marketzation.% 文章在分析利率市场化的理论和政策背景的基础上，指出我国利率市场化进程中中小银行面临的挑战，提出中小银行应对利率市场化的措施。
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