基于利率角度的我国金融市场化改革风险与对策

Analysis of the Risk and Countermeasures of China's Financial Market Reform Based on Interest Rates

一国金融体系的改革,都是以金融市场化为目标的。而利率作为衡量投资行为的价格成本,影响着金融市场交易活动的方方面面。因此,利率市场化是金融市场化改革过程的核心环节。通过分析以利率为核心的金融市场化发展趋势以及改革模式,找出利率市场化所产生的问题。着重研究利率市场化产生的金融风险以及对金融危机的诱导机理,进而完善利率市场化对货币政策的传导作用,并为维护我国利率市场化条件下的金融安全提供对策与建议。

The reform of financial system of a country are aimed at financial markets. And the interest rate as a measure of the cost of investment behavior, affect the financial market trading activities of all aspects. Therefore, the marketization of interest rate is the core part of the process of financial market reform. In this paper, through the analysis of the development trend of financial market with interest rates as the core and the reform mode, the paper tries to find out the interest rate marketization problems. Through the research of the marketization of interest rate of financial risk and induced mechanism of the financial crisis, the paper aims to improve the marketization of interest rate conduction of monetary policy, and provide suggestions and safety. for the maintenance condition of the interest rate liberalization in China under the financial