盲从与理性:农村信用社利率改革试点的现实思考

On the Interest Rate Reform Experiment of RCC

本文认为,对农村信用社利率改革试点效应的判断应多视角进行,对机遇与风险的共生性应有充分认识。基于以上观点,本文从农村信用社利率改革是我国利率政策的合理选择分析入手,反思利率改革试点地区的实践,提出:为保证我国利率市场化进程的顺利推进,必须认真总结农村信用社利率改革试点的经验与教训,在建立有效的利率监管机制、利率风险管理机制、市场反映机制及完善的资金定价体系等方面多作些探索和实践。

Based on the analyzing of interest rate reform of Rural Credit Cooperatives (RCC) and reviewing the practices in experimental areas of interest rate reform, the author points out that in order to successfully facilitate the interest rate liberalization in China, we should seriously sun up the experience and lessons of the interest rate reform of RCC and make more efforts to build up a effective interest rate regulation system, risk management mechanism, market reflection mechanism and advanced pricing system.