关于稳步推进利率市场化改革的思考

Views on Promoting Reform of Ratio Market

我国的利率市场化改革已经进行了13年,虽已取得了一定成绩,但离最终目标还相差很远。利率市场化的关键在于存款利率的上限和贷款利率的下限,只有放开这两个“限”,才能形成真正的市场竞争,利率才能实现市场化。因此,应适时择机放开贷款利率的下限,最后再放开存款利率的上限,实现我国利率改革的最终目标。

It has been 13 years since the reform in our ratio market, and we have seen some fruit, however, there is a long way to go. We have to understand the essence in ratio market, so that we should make the real market competition, which would realize our ultimate goal.