浅谈利率市场化的意义及影响

On the significance and influence of interest rate marketization

我国的利率市场化改革从概念的提出到发展至今已有许多年,目前我国利率市场化从形式上已经基本可以实现,我国的利率市场化改革对改善金融资源配置、疏通利率传导途径和降低企业实际融资成本等方面都有重要意义。文章将在回望当前我国利率市场化进程的基础上,对我国利率市场化改革的意义进行扼要的分析,并且浅析利率市场化对商业银行、小微企业、居民和个人等的影响。

China's interest rate marketization reform has been developed for many years since the concept was put forward.At present,China's interest rate marketization can be basically realized in form.China's interest rate marketization reform is of great significance to im prove the allocation of financial resources,dredge the transmission channel of interest rate and reduce the actual financing cost of enterpri ses.Based on looking back at the current process of interest rate marketization in China,this paper briefly analyzes the significance of inter est rate marketization reform in China,and analyzes the impact of interest rate marketization on commercial banks,small and micro enter prises,residents and individuals.