对我国贷款利率放开的辩证分析

A Dialectical Analysis on the Liberalization of Loan Interest Rate in China

我国利率市场化步伐的加快,将我国市场经济发展推向了一个新的里程。利率市场化改革中贷款利率的放开是我国利率改革的一个历史标志,是存款利率放开的前奏,它显然对于金融市场、商业银行、企业等起到了推动作用,但无疑也会给金融业带来更多的风险,面对贷款利率放开后的一系列影响,我国应该转换政府职能、提升银行综合业务能力、完善相关配套制度等,以保证利率市场化的平稳过度。

The speeding up of interest rate liberalization has pushed forward China＇s market economy onto a new stage. Liberalization of loan interest rate is a historic symbol in China＇s reform of interest rate as well as a prelude to liberalization of deposit interest, which obviously plays a positive role in promoting reforms in financial market, commercial banks and enterprises. However, it undoubtedly will bring more risks to the financial section. Facing influences of loan interest liberalization, the author suggest that Chinese government transform its functions to improve banks＇ comprehensive services by improving related supporting systems to ensure a steady transition of interest rate marketization.