摘要
“十二五”规划明确指出，我国将稳步推进利率市场化改革。关系金融稳定的金融安全网三道防线一审慎监管、最后贷款人制度、存款保险制度的建立与完善，成为深化利率市场化改革的重要保证。文章指出，应从完善宏观审慎管理框架、明确央行最后贷款人职责和加快建立存款保险制度这三个方面完善金融安全网建设，有规划、有步骤、坚定不移地推进利率市场化改革。
The Twelfth Five-year Plan specifically indicates that China will steadily push forward the interest rate marketization reform. The establishment and improvement of the three defensive lines for the financial safety network and financial stability, i.e., prudential supervision, lender of last resort system and deposit insurance system, will provide an important guarantee for strengthening the interest rate marketization reform. The article states that China should improve the financial safety network development by refining the macro-prudential management framework, specifying the central bank＇s responsibilities as the lender of last resort and accelerating the establishment of the deposit insurance system in order to facilitate the interest rate marketization reform in a planned, step-by-step and steadfast manner.
关键词
金融改革
利率市场化
金融安全网
financia reform, interest rate marketization, financial safety network
