利率自由化背景下我国居民金融资产结构的选择

Chinese Residents' Choice on Financial Asset under the Background of Interest Rate Liberalization

我国实施利率自由化改革已近10年,特别是2004年利率自由化进程加快以后,居民金融资产单一化问题不仅没有改善,而且还有继续上升的势头。居民金融资产结构单一化问题已然成为制约我国改革效应的重要障碍。本文试图通过对利率自由化进程中居民金融资产结构变化的研究,找出制约我国居民金融资产结构变动的障碍,并提出相关的对策建议,希望对正在进行着的改革作一些有益的补充。

The reform of interest rate liberation in China has already been carried out for almost 10 years. In particular, in 2004 the reform has speeded up, but the singularity of resident financial assets structure hasn＇ t been solved. And the household savings are still rising. The singularity problem has already become the important obstacle restricting the effect of this reform. This paper aims to find out these obstacles in order to research the structure of resident finance assets. Finally, this research puts forward certain suggestions and tries to contribute to the ongoing reform.