利率市场化与投资风险及其对策研究

Countermeasures against marketization of interest rate and investment risk

利率市场化是金融市场发展的必然结果,是金融国际化的必然要求。市场经济要求按市场机制配置资源。资金作为一种重要的经济资源,将在新的利率机制作用下在国民经济全范围进行合理配置。利率作为货币资金的价格,其形成机制的变化、作用机制的调节,将会对投资者的投资行为与决策产生重大影响。

Marketization of interest rate is the inevitable result of the development of financial market and the inevitable requirement of the internationalization of finance. Market-oriented economy demands a distribution of resources depending on the market mechanism. Capitals, as a kind of important economic resource, will be distributed in a rational way in the national economy under the new interest rate mechanism. Interest rate, as a marker of the price of capitals, will have influences on the investment and investment strategy of investors. It is hoped that the analysis of the relationship between interest rate and investment, and the influence of marketization of interest rate on the risk of investment and some suggested countermeasures can provide some useful help for investors to make proper investment decisions.