利率市场化: 制度壁垒与现实挑战

Interest rate liberalization: System barrier and challenge

一般而言,实现利率市场化应当具备相应的制度环境和健康、良好的宏观经济条件,推进利率市场化的过程就是创造利率市场化环境的过程。现阶段我国还存在一些亟待转型与变革的制度因素,这意味着利率市场化改革将是一项长期而复杂的任务。与此同时,当前宏观经济运行中存在的一些主要问题也对利率市场化改革提出了现实挑战与新的思考。

Generally speaking, interest rate liberalization should be carried out in a corresponding system environment as well as a healthy macroeconomic situation. The process of interest rate liberalization is fundamentally a process to create a suitable economic environment. Certain systems in China call for transformation and reform, which means that the interest rate liberalization will be a long-term complex task. Meanwhile, some macroeconomic problems also pose challenges to interest rate liberalization.