关于推进利率市场化的几个问题

Some Questions on the Market Orientation of Interest Rate

利率市场化是指存贷款利率由各商业银行根据资金市场的供求变化来自主调节 ,中央银行基准利率仅为引导。在我国成为WTO正式成员的今天 ,在社会主义市场经济体制日益完善的今天 ,稳步推进利率市场化尤为迫切、非常必要。本文从我国稳步推进利率市场化的目标和思路 ,有利条件和不利因素以及需注意的问题等几个方面 ,理论联系实际地进行了分析 ,对当前推进利率市场化有很强的针对性和实际意义。

By market orientation of interest rate, it means that the deposit and loan rate should be regulated with autonomy by commercial banks in terms of the variation of supply-demand relations on the capital market, with the central bank basic rate just as a guide. It is urgently necessary for us to carry steadily forward the market orientation of interest rate, since we are now a full member of WTO, and our socialist market economy system is being perfected. This paper, putting the theory in to practice, makes an analysis on both favorable and unfavorable factors and some questions claiming attention, which is surely of guiding significance for the present pushing.