坚持以市场为导向加快推进我国利率市场化“并轨”问题探析

Stick to Market Orientation and Accelerate Our Country Probe into the Merging of Interest Rate Marketization

习近平总书记在2017年11月金融稳定发展委员会第一次全体会议上强调“回归本源、优化结构、强化监管、市场导向”,其中“市场导向”要发挥市场在金融资源配置中的决定性作用,利率市场化正是实现这一目标的基础和前提。以真正的“市场导向”来引导金融机构,在“市场”中从“市场”角度进行“市场”行为,使得金融机构资产类、负债类业务获取可以充分竞争,摆脱寡头垄断、完全垄断市场的局面,“市场”运转良性循环持久,最终达到金融资源合理优化配置、实体经济获取资金优质便利、金融领域健康发展的“帕累托最优”的极致境界。

At the first plenary meeting of the Financial Stability and Development Council in November 2017, General Secretary Xi Jinping stressed "returning to the source, optimizing the structure, strengthening supervision, and market orientation." Among them,"market orientation" should play a decisive role in the allocation of financial resources, and the marketization of interest rate is the basis and premise of realizing this goal. To guide financial institutions with real "market orientation" and carry out "market" behavior from the perspective of "market" in "market", so that the acquisition of asset and liability business of financial institutions can be fully competitive.To get rid of the situation of oligopoly and complete monopoly of the market, the virtuous circle of the operation of the "market" has lasted for a long time. Finally, it reaches the extreme state of "Pareto optimal" with the rational optimal allocation of financial resources, the high quality and convenience of obtaining funds in the real economy, and the healthy development of the financial field.