摘要
1996年正式启动的利率市场化改革具有重大的积极意义,它能增加货币政策的有效性,促进经济增长;也能促进金融创新和金融机构改变经营发展方式,并拓宽小微企业的融资渠道,形成一个有良好风险控制能力和高效率的货币融资市场。与此同时,利率市场化改革也带来了一系列的问题和挑战,它提高货币政策的调控经济生活的难度,增加商业银行的经营风险,并使国有资产面临严重损失。因此,循序渐进地推进市场化改革,消除或减少利率市场化带来的风险和问题,是非常必要而有意义的。
China started the reform of marketization of interest rate in 1996. The reform can increase efficiency of monetary policy and promote economic growth and financial innovation, while it brings about some problems and challenges. Marketization of interest rate makes it more difficult for monetary policies to adjust economy and it increases operating risk of business banks. So it is necessary for us to gradually push forward the marketization of interest rate and to decrease the risk.
出处
《生产力研究》
2013年第11期5-7,201,共3页
Productivity Research
