对我国利率市场化问题的思考

China Issues of Interest Rate Market

随着全球经济的发展和各国经济体制的健全,利率市场化作为金融自由化的一个重要内容已成为一种不可逆转的趋势。我国从20世纪50年代至70年代末实行的是一种高度集中的利率管制体制和低利率政策。1978年虽然开始了经济市场化改革,但在相当长的时间里,为了满足经济快速发展以及稳定金融体系的需要,我国一直对利率予以严格的管制。目前,我国正在进行金融体制的改革,利率市场化改革有其必然性,是我国经济体制改革的一个重要组成部分。本文将从三个方面对我国利率市场化的问题进行讨论,首先讨论利率市场化在我国的实行的必要性,进而分析其对我国商业银行带来的影响,最后在推进利率市场化的发展方面,提出个人的几点拙见。

With the global development and national improvement of economy, the interest market -orientation as an important part of financial liberalization has become an irreversible trend. China has adopted a highly centralized interest rate control system and low interest rate policy from 1950s to the late 1970s in 20th century. Although in 1978 we began our market reform of economy, for certain a long time, we had been in strict controls on interest rates in order to meet the need of the rapid economic development and to stabilize the financial system. At present, we are in the process of financial reform. Interest market-orientation reform has its inevitability, and it is an important part of China＇s economic reform. This article discussed the problem of the interest market-orientation from three respects： firstly, the necessity of interest market -orientation in our country; then its impact of Chinese commercial banks, and finally personal views in promoting the development of interest market-orientation.