摘要
目前对进一步放开存款利率管制,在商业银行、央行间接调控机制、金融市场环境等方面还存在一些问题。对稳步推进我国利率市场化改革,本文提出的建议为:分类逐步放开存款利率上限;鼓励金融产品创新,促进存款利率市场化;培育市场基准利率,完善利率传导机制;构建公平的市场竞争环境,加快商业银行业务转型;加强金融监管,建立存款保险制度。
Abstract. The marketization of interest rate is conducive to optimizing the allocation of resources, our country starts the reform of interest rate marketization in 1996, and now only deposit interest rate marketization has not complete, how to liberalize deposit interest rate is the main content of the future interest rate marketization reform. With market-oriented interest rate reform, commercial banks are a difference in deposit rates and customer orientation. At present, about to further promote the reform, there are still some problems in terms of commercial banks, the central bank＇s indirect regulation, market competition environment. To steadily push forward the reform of the marketization of our country＇ s deposit interest rate, this paper＇ s suggestions are ： classification to gradually open up the limit of deposit rates; encourage financial innovation, improve the financial market interest rate marketization; cultivate of the benchmark interest rate, improve the interest rate transmission mechanism; construct a fair market competition environment, speed up the commercial bank business transformation; Strengthen financial supervision, establish the deposit insurance system.
出处
《江苏商论》
2014年第5期46-51,共6页
Jiangsu Commercial Forum
关键词
利率市场化
商业银行
基准利率
interest rate marketization
commercial bank
benchmark interest rate
