人民币理财产品与我国利率市场化进程

The Financing of RMB vs Interest Rate Marketization

利率市场化是我国金融发展的必然要求。当前,利率市场化改革已面临最为关键的阶段—人民币存款利率市场化。人民币理财产品的出现不仅对现有的人民币存款利率体系形成了挑战,也开辟了商业银行利率竞争的想象空间,是中国利率市场化进程中的一个重要里程碑。

Interest rate marketization is an inevitable demand for financial development of our country. At present, the reform of interest rate maeketization has already entered the most crucial central stage - the deposit interest rate marketization of RMB. The appearance of the products of the RMB manage money matters is not only a challenge to the existing RMB deposit interest rate system but also opens up the imagination space of the commercial banking interest competition, which is an important milestone in marketization process of China＇s interest rate.