存贷款利率市场化次序安排的有效性与风险性

Effects and Risks of the Order Arrangement for Market-oriented Interest Rates of Depository and Loan

我国政府一直在积极探索稳健的、具有中国特色的渐进式利率市场化改革之路,当前利率市场化改革已进入最为关键、最为核心的阶段———人民币存贷款利率市场化。本文从效率与风险出发,结合我国当前的具体国情,对现行公布的存贷款利率市场化次序进行深入的比较分析,指出现行已公布的存贷款利率市场化次序安排的高风险性和低效性,并提出相应的存贷款利率市场化次序安排与建议。

The Chinese government has been actively exploring a stable reforming path of interest rates being gradually market-oriented with Chinese characteristics. Now the market-oriented interest rates reformation is at the most crucial and core moment-market-oriented interest rates of depository and loan for RMB. Combing the current situation of China, the paper makes a deep, comparative analysis of the announced order arrangement for the market-oriented interest rates of depository and loan from the perspective of efficiency and risks. It points out its high risk and low efficiency. Then the paper puts forward the corresponding order arrangement for the market-oriented interest rates of depository and loan and some suggestions.