利率市场化对国民经济的影响及对策

The influence of national the market of interest rate melts is for ecnomy and countermeasure

利率市场化是经济市场化的必然要求。在商品价格绝大部分已经实现市场化的条件下,货币的资金价格———利率客观上也就有了市场化的需要。利率实现市场化,管制利率对市场均衡利率的偏离将逐步消除,从而可以自行化解由利率管制导致的货币市场与商品市场难以同时均衡的矛盾,解决“储蓄居高不下”或“投资饥渴症”等极端现象,有助于金融效率的提高,有利于新时期社会经济的良性发展。但是,利率市场化作为一种制度的变革,在其实施的过程中,必然给国民经济带来一定的负面影响,对此,我们应有充分的认识和准备。

The marketablization of interest rates is the inevitable request from the marketablization of economy. Under the condition that merchandise prices have mostly marketablized, Interest rates, the capital prices of currencies, are needed to marketablized. When the marketablization of interest rates realizes, the departure of managed interest rates from the balanced market interest rates will eliminate. The marketablization resolves the conflict, which is resulted from interest rates management, that it is difficult for money market and commodity market to reach a simultaneous balance. This reform solves some extreme phenomenons, such as the continuous volume of save deposit and the lack of investment. And it will benefit the improvement of financial efficiency and the development of social economy in new period. However,the market-ablization of interest is the reform of one system.when it is put in use is will have ball effects in econmy.Thevefore we shoud make full preparations and reach deep understanding.