中国的利率市场化：比较与借鉴被引量：20

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摘要当前中国的利率管制主要为存款利率上限管理以及贷款利率下限的约束。利率市场化特别是存款利率市场化对中国的中介机构和资金成本带来哪些影响,如何更好地推进利率市场化改革等问题值得关注。本文运用模型模拟分析存款利率市场化对中国银行业的影响,结果表明存款利率市场化将会导致利率上升、抑制边际投资、改进金融中介机构和货币政策传导效率,加强对服务不够的部门的金融支持。中小银行、效率更高和能更有效管理成本的银行在利率市场化中获利更大。利率市场化的国际经验表明,要获得利率市场化的好处,并不至于造成不必要的动荡,需要加强谨慎监管、管制,强化货币政策的配套管理,并实施灵活的政策组合。本刊征得国际货币基金组织同意,翻译并发表此文,作者及所在机构对译文免责。

作者泰翰·菲兹罗楠斯·颇特艾得·泰科斯胡妍斌(译) 王辰(审校)

机构地区国际货币基金组织亚太部不详

出处《新金融》北大核心 2010年第10期4-9,共6页 New Finance

关键词金融自由化放松金融监管利率市场化中国

分类号 F832.33 [经济管理—金融学]

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