从利率市场化看中国民间借贷市场开发的思路

Some Idea on China's Private Lending Market Developing from the Perspective of Interest Rates Marketization

结合钱荒的产生与发展,对本轮取消贷款下限的利率市场化改革的原因及影响进行了分析,指出尽管本轮改革并不会对当前金融市场产生重要的实质性影响,但是其标志着我国未来银行体制在开发民间资本方面的重视,也意味着民间资本与私营金融机构将在未来我国的金融机制改革中得到更大的发展机会。

Under the current situation in China that the ＂money shortage＂ emerges and continually develops , the article analyzed the reform ofcanceling the interest rate floor. The article also points out that the reform 1would not take substantial effect to the current financial market , but itdemonstrates that the future financial reform would put more attention to the civilian capital , and in future, the civilian capital and private-ownedfinancial institutions would get more opportunities in financial system reform.