我国大额存单重启与利率市场化改革

Certificates of Deposit Restart and Interest Rate Marketization Reform in China

大额存单重启意味着利率市场化又更进了一步。从贷款利率正式放开到存款利率浮动区间逐步扩大,利率市场化只差存款利率市场化最后一步。大额存单可实现部分存款利率市场化,是存款利率正式放开的过渡产品。大额存单有助于利率市场化,是国际经验的借鉴以及根据我国国情所做出的选择。通过大额存单及其市场建设,"自上而下"政府推进和"自下而上"市场选择能够不断深化利率市场化改革。

certificates of deposit Restart, which means the interest rate market goes a step further, the loan interest rate officially free, the deposit rate floating range expanded, deposit interest rate to interest rate market need last step, certificates of deposit can achieve part of the deposit interest rate market, is fully helpful for liberalized deposit rates. Certificates of deposit is helpful to interest rate market is decided by International Ex- perience and China＇s national conditions, by certificates of deposit and its market development, the use of ＂top - down＂ government to promote and ＂bottom - up＂ market choice to deepen market - oriented interest rate reform,